Explore

Financial solutions for, emerging markets

We are arming small & medium enterprises with financial solutions, access to capital and scaling support across Sub-Saharan Africa.

Fast Approval

7 Days processing

Competitive Rates

Transparent pricing

Personal Advisor

Dedicated support

Start

Grow

Scale

Revenue Growth

Global Trade

Team Expansion

Tailored Financial Solutions

If you need continuous cash flow, we offer flexible solutions such as invoice discounting, LPO financing, and project financing to help your business thrive and grow. Let us help you access the capital you need!

SME Loans

Our SME financing solution provides the working capital your business needs to thrive. In addition we offer free management support to financed businesses.

Key Benefits

Ticket size: MWK 500,000 – 8,000,000
Growth-focused repayment plans
Streamlined application process
Free management support

Eligibility

Business owner(s) must be of sound credit standing
Business operating for at least 6 months
Valid business registration documents
Additional information provided for processing

Quick Application

10-minute online form

TradeLenda

The Tradelenda Loan is tailored for small traders and entrepreneurs who need quick working capital to restock, expand, or manage cash flow.

Key Benefits

Flexible use: inventory, supplier payments, order financing
Repeat Facility: Access to higher limits with good repayment history
Working Capital Boost: Finance for restocking & trading needs
Repayment: weekly or monthly installments, tailored to cashflow
Loan amounts: MK500,000 – MK3,000,000

Eligibility

Valid business registration
Active business bank account
Proof of trade activity (invoices, purchase orders, or sales records)
Business operating for at least 6 months

Dedicated Support

Trade Lenda advisors

Personal Loan

Quick and flexible loans from MK100,000 to MK500,000, repayable over 1–6 months. Designed for school fees, health, rent, or personal needs. Fast approval, easy repayment, clear terms.

Partner Solution

Luta Inc. does not offer personal loans directly. For personal financing needs, we recommend our trusted partner:

Visit tiide.co
Part of the Luta ecosystem
Fast personal loan processing

Trusted Partner

Same great service

How It Works

Simple, transparent process from application to funding

1

Apply Online

Fill out our simple 10-minute application form with your business details

2

Document Review

Our experts review your application and request any additional documents

3

Approval & Terms

Receive loan approval and review your personalized terms and conditions

4

Get Funded

Funds disbursed to your account within 24-48 hours after approval

What Our Clients Say

Trusted by hundreds of businesses across industries

SJ

Sarah Johnson

CEO, TechSolutions Inc.

"The SME loan process was incredibly smooth. We received $250,000 in working capital within 48 hours, allowing us to secure a crucial contract. The team was professional and responsive throughout."

Funded: March 2024
MR

Michael Rodriguez

Owner, Global Imports Ltd.

"Their trade finance solutions saved our business. When our letter of credit was delayed, Luta stepped in with bridge financing. Their international expertise made complex cross-border transactions simple."

Funded: January 2024
AK

Amanda Chen

Founder, GreenTech Manufacturing

"As a growing manufacturer, we needed equipment financing. Luta understood our needs and provided flexible terms. The 10-minute application lived up to its promise - we had approval the next day!"

Funded: February 2024