Business Loans

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These products are available to SMEs who provide services/goods to established Corporates.

Order Finance

Supports SMEs with capital to fulfil confirmed orders. Short-term facility of 30–90 days available for those serving established corporates.

Invoice Discounting

Allows SMEs to access quick liquidity by discounting invoices drawn on reputable companies. Great for easing cash flow cycles.

Term Loan

Credit facility from 1–12 months for SMEs with strong cash flows and track records. Funds working capital and stock procurement.

✔ Directors KYC
✔ 12 Months Bank Statements
✔ PACRA Company Registration Docs
✔ Company Profile
✔ Current Order/Invoice (For Order Finance & Invoice Discounting)
✔ VAT/Tax Clearance Certificates
✔ Security (Landed Property or Motor Vehicle)

SME applies for funding
Altus verifies order/invoice with Corporate
Credit appraisal is done
Management approves facility
Security documentation is processed
Finance is disbursed to SME

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Corporate MOU Based SME Financing

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This loan product is tailored for SMEs with MOUs signed with corporates. The MOU validates the relationship and ensures repayment through contractual obligations.

Loan Purpose & Tenor

Short term facility of 30-90 days for working capital and procurement to service the corporate client’s order requirements.

Collateral & Security

Security is usually limited to the MOU agreement, but additional security may be required based on risk profile.

✔ Valid MOU with Corporate Client
✔ Directors KYC Documents
✔ 6-12 Months Bank Statements
✔ Company Registration Documents
✔ Order Confirmation from Corporate
✔ VAT & Tax Clearance Certificates
✔ Additional Security if required

SME submits application with MOU
Altus verifies MOU and order details with Corporate
Credit and risk assessment done
Management approval obtained
Loan documentation and security finalized
Funds disbursed to SME
Repayment monitored via corporate payments