Financing That Works for You
From agriculture to digital loans -- flexible financing solutions with competitive rates designed for every Tanzanian business and individual.
Agri-Business Loans
Our Agri-Business Loans empower Tanzanian farmers and agribusinesses with the capital they need to grow. Whether you are financing seasonal crops, investing in irrigation systems, or purchasing farm equipment, this product offers flexible repayment aligned with harvest cycles. Group lending options allow farming cooperatives to access larger amounts collectively, while grace periods ensure you only start repaying when your yields come in.
Asset Financing
Turn your business ambitions into reality with our Asset Financing facility. We finance up to 80% of the asset value for vehicles, machinery, and equipment -- allowing you to acquire what you need while preserving your working capital. With flexible repayment terms of up to 3 years and a straightforward application process, you can upgrade your operations without the burden of a lump-sum purchase.
MSE Loans
The MSE Loan is designed for micro and small enterprises that need quick capital without the complexity of traditional lending. With no collateral required and processing in as little as 3 days, this product helps small business owners restock inventory, cover operational costs, or seize market opportunities. Available for both groups and individuals with flexible repayment schedules that match your cash flow.
SME Loans
Our SME Loan facility provides established businesses with the substantial financing needed for growth and expansion. Whether you need working capital to manage cash flow, trade financing to import goods, or an overdraft facility for operational flexibility, this product is structured to support your business at every stage. Benefit from dedicated business advisory support and customized repayment plans that align with your revenue cycles.
Bunge Loans
Bunge Loans harness the power of group solidarity to provide accessible financing for community savings groups and cooperatives. Each member can access individual loans backed by joint group guarantee, eliminating the need for personal collateral. With progressive loan amounts that increase as your group builds a repayment track record, plus free financial literacy training, Bunge Loans help communities grow together.
Salaried Loans
Our Salaried Loan is the fastest way for employed individuals to access credit. With payroll-linked repayment deducted directly from your salary, you enjoy hassle-free servicing and competitive interest rates. Government employees benefit from preferential pricing, and loans up to TSH 10M require no collateral. A top-up facility lets you access additional funds before your current loan is fully repaid.
Bajaji Loans
The Bajaji Loan is purpose-built for Tanzania's transport entrepreneurs. Whether you are purchasing a bajaji (three-wheeler) or a bodaboda (motorcycle), we finance up to 80% of the vehicle value with flexible daily or weekly repayment options that match your income pattern. Insurance is included in the package, and our straightforward process gets you on the road quickly so you can start earning immediately.
Investment Account Loans
Unlock the value of your savings without breaking your deposit. Our Investment Account Loan lets you borrow up to 90% of your fixed deposit or investment account balance at preferential rates. With rapid approval in as little as one day and no additional collateral required, this is the smartest way to access liquidity while your savings continue to earn interest.
Digital Loans
Get instant credit right from your phone with CoopBank Digital Loans via the CoopEsa app. No paperwork, no branch visits, no waiting -- just open the app and apply. Approval is instant based on your transaction history and repayment record. With 24/7 availability and automatic repayment, this is modern banking at its most convenient. Perfect for emergencies or short-term cash needs.
Business Loans
Our Business Loan facility caters to large-scale corporate financing needs. From project financing and trade finance to letters of credit, we provide the capital infrastructure that major enterprises require. Each corporate client is assigned a dedicated relationship manager who works with you to structure the optimal financing package. With tenures of up to 7 years and negotiable interest rates, we build solutions that match your business scale.