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

FINCA AF’s priorities for the selection of clients

  • Current SME customers who can apply for repeat loans.

  • Current Small Enterprise Loan (SEL) customers who have graduated (finalized at least their first SEL loan) and can apply for SME loans.

  • Current SEL customers who need a larger loan size to support their business.

  • New customers who are being referred and recommended by current SME or SEL customers.

  • Business owners engaged in manufacturing.

  • Business owners engaged in services.

  • Business owners engaged in trade.


  • Loan Purpose: Income-generating activities

  • Target Group: Men and women business owners

  • Duration: 6 to 24 months

  • Loan Size: AFN 501,000 to AFN 1,500,000 depending on client capacity

  • Collateral: Title deed is mandatory

  • Financial Guarantor: Business owner with the capacity to guarantee the loan

  • Family Guarantor: Close relative of the family is mandatory