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Luta Inc - Empowering SME Growth
Solely for SMEs

We exist to grow businesses

Luta provides capital to Malawi's ambitious SMEs, and beyond that we offer curated business management tools.

Our Formula for Business Growth

Combining capital, expertise, and tools to accelerate your business success

Debt Financing

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Business Advisory Support

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Digital Management Tools

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Scale

Financing Solutions Built for SMEs

Choose from our range of tailored products designed to fuel your business growth at every stage

Most Popular

SME Growth Loan

Designed to help SMEs scale operations, purchase equipment, and increase working capital.

Loan Amount

MK 500,000

Minimum

Term

6-36 months

Duration

Maximum Amount

MK 50,000,000

Key Features

  • Flexible repayment terms up to 36 months
  • Competitive interest rates
  • Dedicated relationship manager
  • Early repayment allowed

Eligibility Requirements

  • Business must be registered and operational for at least 12 months
  • Valid business bank account required
  • Proof of consistent monthly revenue
  • Director must be a Malawian resident
Fast processing
Online application

Startup Booster Loan

Supports newly registered businesses with seed capital and operational funding.

Loan Amount

MK 300,000

Minimum

Term

6-24 months

Duration

Maximum Amount

MK 10,000,000

Key Features

  • Business mentorship included
  • No collateral required for small amounts
  • Graduated repayment structure

Eligibility Requirements

  • Business registered within the last 24 months
  • Valid business registration certificate
  • Owner must be between 21 and 60 years old
  • Basic business plan required
Fast processing
Online application

Quick Working Capital Loan

Short-term financing to manage cash flow gaps and urgent business needs.

Loan Amount

MK 200,000

Minimum

Term

3-12 months

Duration

Maximum Amount

MK 5,000,000

Key Features

  • Approval within 48 hours
  • Minimal documentation
  • No early repayment penalties

Eligibility Requirements

  • Business operational for at least 6 months
  • Valid national ID required
  • Mobile money or bank account required
  • Demonstrated cash flow activity
Fast processing
Online application

Our SME Portfolio

Supporting diverse sectors across Malawi's economy

Manufacturing
35%
Trading & Retail
28%
Agriculture
22%

Why SMEs Choose Luta

  • Industry Expertise

    Deep understanding of Malawi's business landscape

  • Flexible Terms

    Repayment schedules that match your cash flow

  • Fast Decisions

    24-48 hour approval process

Beyond Lending - Complete Business Solutions

Comprehensive tools and services to power your business growth

Expense Management

Coming Soon
  • Prepaid business cards
  • Real-time spending controls
  • Automated expense tracking

Marketing Tools

Available Now
  • Bulk SMS campaigns
  • Email marketing
  • Customer segmentation

From K0.15 per SMS

Financial Management

Professional
  • Digital bookkeeping
  • Financial reporting
  • Tax compliance

From K25,000/month

Business Analytics

Premium
  • Performance dashboards
  • Cash flow forecasting
  • Growth insights

Advanced analytics suite

Simple Application Process

Get funded in as little as 24 hours with our streamlined process

Business Registration

Valid business registration in Malawi

Trading History

Minimum 6 months of trading history

Financial Records

Bank statements and basic financials

Business Purpose

Clear business use for the funding

Ready to Apply?

Join 500+ SMEs who have grown their businesses with Luta Inc