AFED gives Malawian entrepreneurs, farmers and employees fast, fair and transparent access to finance — built around your business, not against it.
From farm inputs to storage and equipment, our agriculture financing is timed to the seasons that matter to you.
Transparent pricing, no hidden charges, and repayment plans that respect your cash flow.
Solidarity group loans and village savings products that grow local trust and local businesses across Malawi.
2025
Established
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Clients Served
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Districts Covered
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RBM Registered
Headquartered in Lilongwe, Malawi, AFED is a fully registered microfinance company with the Reserve Bank of Malawi (RBM). We exist to close the finance gap for entrepreneurs, farmers and salaried workers who are often overlooked by traditional banks.
From a single business loan officer to a growing network of branches, our approach has stayed the same: understand the client, price fairly, and disburse fast — because opportunity doesn't wait.
Provide accessible, responsible finance that grows African businesses and livelihoods.
A financially included Malawi where every entrepreneur can access fair capital.
Integrity, transparency, community and client protection in everything we do.
Whichever stage your business or household is at, there's an AFED product designed for it.
Working capital finance for registered SMEs and companies in trading, manufacturing, processing and service industries — fast turnaround from application to disbursement.
Apply nowFor salaried employees — available as an employer-guaranteed loan repaid through payroll deduction, or a private-payment loan repaid directly by the customer.
Apply nowAn invoice-backed credit facility for suppliers and business owners with confirmed contracts, advanced against the value of the invoice.
Apply nowA same-day short-term loan for customers already on an MOU, letter of undertaking, or standing-order arrangement with AFED.
Apply nowSubmit your application online or visit your nearest AFED branch.
Our team reviews your documents and assesses your business or income.
Get a decision fast — often within 48 hours of a complete application.
Funds are paid directly to you via mobile money or bank transfer.
Fully registered with the Reserve Bank of Malawi, operating within national financial regulations.
Most complete applications are reviewed and decided within 48 hours.
Repayment plans matched to your business cycle or salary schedule.
Field officers who understand your district, your market and your language.
All rates and charges disclosed upfront — no hidden fees, ever.
Fair treatment, responsible lending and a clear complaints process for every client.
Chikondi M.
Retail Shop Owner, Lilongwe
"AFED approved my business loan in two days and there were no surprise charges. My shop has doubled its stock since then."
Client testimonials are illustrative — replace with verified client quotes before publishing.
Any Malawian citizen aged 18 or above, whether self-employed, a registered business owner, a farmer, or a salaried employee, may apply, subject to standard eligibility checks.
A valid national ID, proof of income or business activity, and (for group loans) confirmation of group membership. Our loan officers will guide you through the exact list for your product.
Most complete applications are reviewed within 48 hours. Larger business loans may require a short additional assessment period.
Yes. AFED (Africa Finance and Entrepreneurship Development Limited) is fully registered as a microfinance institution with the Reserve Bank of Malawi (RBM).
Rates depend on the loan product and term, and are always disclosed in full before you sign. AFED does not charge undisclosed or hidden fees.
Repayments can be made via mobile money, bank transfer, or in person at any AFED branch, following the schedule agreed at disbursement.
AFED operates under clear, RBM-aligned policies that protect our clients and our institution. Summaries below; full documents are available on request from any branch.
We collect only the client information necessary to assess and manage loans. Personal and financial data is stored securely, never sold to third parties, and shared only where required by law or with client consent.
Loans are sized to a client's proven ability to repay. We do not encourage over-indebtedness, and every client receives a clear breakdown of interest, fees and repayment terms before signing.
All clients are treated fairly regardless of gender, tribe, religion or disability. Staff conduct is governed by a code of ethics, and clients may raise concerns without fear of service disruption.
AFED verifies client identity for every account and loan, monitors transactions for suspicious activity, and complies fully with Malawi's financial crime reporting obligations.
Our complaints process is part of our client protection commitment — and RBM's redress framework backs it up.
Tell us what went wrong. We acknowledge every complaint within 48 hours and aim to resolve it within 14 working days, in line with RBM consumer protection guidelines.
Call our helpline
+265 1 XXX XXX
Email us
complaints@afedmw.com
Visit a branch
P.O. Box 668, Lilongwe, Malawi
If your complaint isn't resolved to your satisfaction, you may escalate it to the Reserve Bank of Malawi's financial consumer protection unit.
P.O. Box 668, Lilongwe, Malawi
+265 1 XXX XXX
enquiries@afedmw.com
Mon – Fri: 8:00 – 17:00
Sat: 8:00 – 12:00
