Responsible Micro-Lending That Fuels Rwanda's Growth

Fast approvals • Transparent pricing • Tailored repayment plans — for individuals, SMEs and farmers.

  • 5–7% monthly interest
  • 1% upfront loan study fee
  • Dedicated Loan Officers

Our Core Services

Flexible, client-first financial products built for Rwanda's realities.

SME Financing

Working capital and expansion loans, customized after a business assessment. Access advisory support to plan growth and cashflow management.

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Agricultural Finance

Specialized loans designed to support farmers through every season of the agricultural cycle

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Salaried Person Loans

Low-doc consumer loans and payroll-backed options for civil servants, private-sector employees and pensioners.

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Why Pearl Capital?

We combine financial discipline with local knowledge to deliver lending that empowers entrepreneurs and households sustainably.

  • Customer-first: Personalized service and follow-up.
  • Transparent Pricing: Clear interest & fee structure.
  • Responsible Lending: Affordability checks and flexible repayment.
Learn about our governance

How It Works

Simple 4-step process to get financed and grow.

1

Apply

Download the application requirements a short online form or visit our office. Tell us your needs and upload minimal documents.

2

Loan Assessment

Our loan officer reviews business plans or income proof and proposes an affordable structure.

3

Approval & Disbursement

Fast-track approvals for qualifying applicants. Funds are disbursed to your bank account/mobile wallet.

4

Support

We provide repayment reminders, advisory and check-ins to support success and reduce default risk.

Ready to grow with Pearl Capital?

Start your application online or talk to a loan officer for personalized advice.