Moringaway Debt Process

Moringaway offers debt options to eligible microfinance institutions (including FinTechs). If your organisation meets the below eligibility criteria you can make a simple application by filling out the form at the bottom of this page.

Eligibility Criteria

  1. Location: Africa
  2. Legal Form:  Company Limited by Shares, or a Co-operative
  3. At least 3 years in operations
  4. Profitable operations in the most recent two years
  5. Primary market segment:  Rural, small-farmers, women and/or SMEs

In addition to the above minimum eligibility, Moringaway places particular emphasis on the social performance of your institution.


Upon receipt of your application, our colleagues will reach out to you with further information request.  They will then carry out an initial pre-screening and will inform you if your organisation meets the preliminary requirements for a full due diligence.  

Due-diligence will be carried out in two parts – a detailed desk-review of documents provided, followed by an on-site review of operations.  After the desk-review, a non-binding Term-Sheet is usually issued, containing the main features of the loan that can be provided.

Upon successful on-site review and approval by our investment Committee, the loan agreement will be drafted and discussed with you in detail.  Disbursement will follow this step.

The total time from receipt of your application to disbursement takes between 3-4 months and depends largely on your ability to provide the required information in a timely manner.

Apply Here