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Proposed loan portfolio

Loan products in development

An overview of proposed products and the responsible assessment principles intended to guide them.

These products are proposed concepts, not active offers or invitations to apply. Each product will require applicable legal permissions, approved terms and operational readiness before launch.

If authorised, applications would be assessed using verified information, repayment capacity, relevant risks and documented approval. An enquiry or membership does not guarantee a loan.

Proposed policy information only — not an active offer or invitation to apply.

People reviewing financial documents together

Products being developed

BusinessBuilder Loan

For eligible traders and small businesses considering approved stock, working capital, productive equipment or expansion.

  • Business activity and supporting records are reviewed.
  • Assessment considers income, expenses, existing obligations and intended use.
  • Repayments should reflect verified business cash flow.

SalarySure Advance

A proposed short-term financing option for eligible salaried employees.

  • Employment and net salary are verified.
  • Existing deductions and affordability are assessed.
  • Repayment dates should leave room for reasonable living expenses.

SalarySure Personal Loan

A proposed personal financing option for eligible employees over an approved repayment period.

  • Income and existing obligations are reviewed.
  • The proposed need and repayment plan are assessed.
  • Terms and obligations should be disclosed clearly.

FarmCycle Loan

A proposed option for eligible farmers and agricultural enterprises.

  • May support approved inputs, livestock, equipment or irrigation.
  • Assessment considers production cycles, operating costs and market risks.
  • Repayment should reflect a credible cash-flow source.

EssentialNeeds Loan

A proposed option for eligible individuals and households with approved essential needs.

  • Financing purpose, verified income and commitments are reviewed.
  • Repayments should remain affordable after household expenses.
  • Assessment should guard against excessive borrowing.

SecureAccess Loan

A proposed option for applications that meet relevant security requirements.

  • Repayment capacity and collateral are assessed separately.
  • Ownership, valuation and legal requirements are checked.
  • Terms, charges and security conditions belong in the written agreement.

Indicative borrowing-rate framework

The guide describes the following proposed monthly rate logic. It is not a customer quotation, an approved offer or a representation that products are available.

Customer categoryProposed monthly rate method
Non-memberStarting rate of 7%, subject to approved product terms
BronzeNegotiated
SilverApproved applicable base rate less 0.5 percentage points
GoldApproved applicable base rate less 1 percentage point
PlatinumNegotiated
Standard memberSet by a separate approved policy; not specified here

Any final rate, interest calculation method, fees, repayment dates and total amount repayable must be approved and disclosed in writing before a customer commits. Standard member pricing is not specified in the supplied policy.

Other ideas under consideration

AdditionalFunds, TopUpPlus, DebtRestructure, StockBoost, AgriEquip, GroupGrow, InvoiceBridge, HomeImprove, PoultryGrow, OrderLink and DepositBacked Credit Line are future development options only. They are not currently available products.