Bridging financial services for civil servants
Established to provide financial services such as microloans and savings facilities to individuals and small groups that are excluded from the mainstream banking system. Our major objective is to expand financial inclusion, empower communities, and contribute to poverty alleviation through innovative financial solutions.
Financial Inclusion
We deliver fast, transparent, and customer-centered financial services.
Empowering Individuals
We have developed robust risk management and credit assessment systems.
Community Empowerment
We strive to build long-term relationships with clients, regulators, and stakeholders.
Transparent Financing
We leverage technology to provide efficient, transparent and accessible services.
Check Out our Loan Application Process
Get a loan in 24 hours
Duiker Finance believes that financial inclusion is a cornerstone of sustainable economic development. By empowering individuals and small businesses with credit, savings, and financial education, the company promotes both social progress and long-term economic growth.
Create Application
Visit us or contact us via email to get application forms
Complete application form and supporting documents.
Submit Application
Visit the nearest loan officer and submit forms
You can also submit your forms online too.
Due Diligence
Our team begins processing your forms once received
We will perform due deligence, scoring and vetting in 24 – 48 hours
Loan Approval
Our Credit Committee evaluates all applications. Once we have
completed due deiligence, you will receive a notification that your
loan has been approved
Funds Disbursment
Funds are disbursed only after signing of formal loan agreements.
You should be able to access your funds in the next 24 hours
Check Our Services
Back to School Loan
Need help paying fees for your children. We have loans to ensure “Back-to-school” is never a head-ache. Access our school fees loans and have your kids in class on the first day.
School fees
School Uniform Purchase
Stationery Purchase
SME Loan
Is your SME struggling because of working capital? We have a solution for you. Get collateral based loans to bridge the months when you have demand and need supplies.
Working Capital
Asset purchase
Invoice Financing
Health Loan
Illness can never be predicted. And sometimes, it happens at our lowest. Get a health loan from us for yourself or family members and deal with medical bills easily focusing on the healing process.
Prescription Pills
Operation Fees
Maternity Complications
Grocery Loan
Sometimes things do not add up but going to bed hungry is not an option. Our grocery loans help you get to the next month without starving.
Grocery Coupons
Discounted groceries
Grocery hampers
Savings
We enable clients to save securely while building a credit history with the institution.
We encourage clients to develop a savings culture alongside borrowing.
Volunatary Savings Account
Compulsory Saving Account
Loan Linked Savings
Non-Financial Services
Beyond providing credit and savings facility, we strive to educate our clients and empower them with tools for them to master their financial affairs.
Responsible borrowing
Financial literacy
SMB management
10+
Happy Clients
50+
Cleared Loans
1+
Year of Experience
10+
Professional Team
Why Choose Us
We Believe Everyone Requiring Financial Assistance Deserves A Chance
Duiker Finance believes that financial inclusion is a cornerstone of sustainable economic development. By empowering individuals and small businesses with credit, savings, and financial education, the company promotes both social progress and long-term economic growth.
Supporting SME Growth
Empowering registered SMEs with affordable financing to expand operations, create jobs, and contribute to national GDP
Reducing Reliance on Informal Credit
Offering structured, transparent, and fairly priced loan products, thereby reducing the exploitation of vulnerable groups by informal moneylenders.
Enhancing Household Welfare
Supporting civil servants and salaried employees to meet urgent needs such as education, healthcare, housing, and emergencies, thereby improving living standards.
Financial Inclusion
Providing access to credit for salaried employees, civil servants, and SMEs who are often excluded by traditional banks.
Who can get a loan?
- Salary-Based Loans: Short- to medium-term loans for civil servants and private-sector employees, with repayment deducted directly from salaries.
- SME Loans: Working capital and asset financing facilities for registered SMEs to support business expansion and sustainability.
- Emergency/Consumer Loans: Small, short-term loans designed to cover urgent household needs such as medical expenses, education fees, or emergencies.
- Group Lending Products: Loans provided to small groups of entrepreneurs under a joint liability model, promoting financial inclusion for micro-enterprises.
What is required to access a loan?
Clients must complete a standardized loan application form. Verification of employment or business activity, income, and credit history is mandatory.
A Creditworthiness assessment using a scoring system considering repayment capacity, past defaults, and collateral (if applicable) is conducted.
What is the maximum amount on funds that can be loaned?
The maximum amount that can be loaned out depends on circumstances with a ceiling of $20 000 for both individuals and organisations unless a special request is made to the credit committee.
What is the interest rates on loans?
Duiker Finance charges an average lending rate of 20–22% per annum
on its loan portfolio. The rate structure considers competitiveness in the
market, risk profiles of borrowers, and regulatory guidelines for microfinance lending.
How long does it take to get a loan?
It takes 24 – 72 hours to get a loan depending on compliance with our policies and loan structure.
Trusted Proven
Experiences shared by our happy customers
You Have Right Place
I’m extremely satisfied with their service. Professional team, quick delivery, and great support throughout the entire project process.
★
★
★
★
★
Isabella Hart
Marketing Director, NovaTech Inc.
Right Team, Right Choice
I’m extremely satisfied with their service. Professional team, quick delivery, and great support throughout the entire project process.
★
★
★
★
★
Liam Bennett
CEO, Bennett Solutions
Ready to Take the Next Step?
Getting a loan with Duiker Finance is not complex. We have made the process simple, straightforward and
transparent to ensure you get the funds you need in time.
Unlock your financial freedom by clicking the button below.