Our Model
At SHONA Capital, we believe that financing alone is not enough. That’s why our model combines affordable, flexible loans with hands-on business support, giving entrepreneurs the resources and guidance they need to grow with confidence.
Our Products
These products are designed to meet the diverse financing needs of growth-oriented SMEs, providing not only capital but the flexibility to manage operations and seize opportunities as they arise.
Growth & Working Capital
Designed to strengthen day-to-day operations, expand inventory, and support asset acquisition.
- Amount: ZMW 100,000 - 2,000,000
- Term: 4 - 24 months
- Rates: Affordable and tailored
Revolving Credit Facility
A flexible solution for short-term opportunities and cash flow management.
- Amount: ZMW 100,000 - 500,000
- Term: 90 - 120 days
- Key Feature: Revolving structure
Management Support
Practical, one-on-one guidance to strengthen your business foundations.
- Focus: Leadership & Sales
- Focus: Accounting & Tax
- Focus: Regulatory Support
Our Integrated Approach
Our integrated approach strengthens both financial and operational foundations, enabling SMEs to formalize, compete, and scale effectively.
Who We Serve
SHONA Capital focuses on supporting businesses that drive economic growth but often face barriers to affordable financing. Our key target segments include:
Small & Medium Enterprises
Operating in trade, manufacturing, agribusiness, and services.
Entrepreneurs & Owners
Seeking flexible financing and hands-on advisory support.
Growth-Oriented Businesses
Enterprises transitioning from informal to formal structures.
Underserved Segments
Viable businesses excluded from traditional banking systems.
Our Value Propositions
Beyond Capital
Beyond Capital
Tailored financing packages supported by management advisory.
Technology-Driven
Technology-Driven
Online applications and streamlined processes deliver efficiency.
Regional Network
Regional Network
Part of a group with a presence in Uganda and plans for expansion.
Strong Backing
Strong Backing
Supported by KSI, a purpose-driven shareholder with proven expertise.
Experienced Leadership
Experienced Leadership
A management team with deep knowledge in finance and SME development.
Responsible Lending
Responsible Lending
Transparent processes ensure businesses get the capital they can manage.
Competitive Pricing
Competitive Pricing
More affordable than most MFIs and aligns with bank-level standards.
Flexible Requirements
Flexible Requirements
Simpler, more adaptable processes than traditional banks.
