SME loans are small and medium-sized enterprises (SME) in Afghanistan. The SME customers can be sole proprietorship companies, family companies, partnerships or incorporated companies.

FINCA AF’s priorities for the selection of clients

  • Existing SME customers who apply for repeat loans.
  • Existing Small Enterprise (SEL) customers who have graduated (finalized at least first SEL loan) and apply for SME loans.
  • Exited SEL customers’ needs higher loan size.
  • New customers who are being referred and recommended by existing SME or SEL customers Men/women who;
  • engaged in manufacturing
  • engaged in services
  • engaged in trade


  • Loan purpose; Income generating activities
  • Target group; Businessmen/women
  • Duration 6-24 months
  • Loan size; AFN 251,000 to 1,000,000 depending on client’s capacity
  • Collateral; Title deed mandatory
  • Financial guarantor; businessmen/women who has capacity to guarantee the loan
  • Family guarantor; close relative of his family is mandatory


FINCA Afghanistan operates in Afghanistan as a joint stock company limited by shares and obtained a license from the Afghanistan Investment Support Agency (AISA).
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