Licensed lending institution in Tanzania

SIX FINANCING SOLUTIONS

Personal and business finance

Choose the solution that matches your next move.

Explore each service in detail: what it is, who it may suit, potential uses, documents, benefits, and the application journey.

01For employed individuals
Union Financial Salary Advance Loan poster

Salary Advance Loan

A practical financing option for eligible private- and public-sector employees who need to manage an important expense before the next salary cycle.

  • Urgent household expenses
  • Education-related costs
  • Medical or family needs
  • Essential repairs
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02Support when timing matters
Union Financial Emergency Loan poster

Emergency Loan

Financing intended for eligible customers facing a genuine, time-sensitive personal requirement that cannot reasonably be postponed.

  • Urgent medical or family needs
  • Essential home or equipment repairs
  • Unexpected travel requirements
  • Time-sensitive education costs
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03Structured vehicle financing
Union Financial Ndinga Financing poster

Ndinga Financing

A financing pathway for eligible individuals and entrepreneurs seeking to acquire a vehicle for mobility, work, or business use.

  • Personal mobility
  • Travel to and from work
  • Customer visits and field work
  • Business transport
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04Improve, modernise, or expand commercial space

Home Improvement Loan for Commercial Properties

Financing for eligible commercial property improvement projects, from essential renovations and interior upgrades to expansion and modernisation.

  • Commercial property renovations
  • Office improvements
  • Retail or shop renovations
  • Structural upgrades
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05Turn confirmed business into execution capacity

Invoice Discounting / LPO / Contract Loan

Working finance for eligible businesses that have a confirmed invoice, Local Purchase Order, or awarded contract but need capital to deliver or maintain cash flow.

  • Purchase goods required by an LPO
  • Mobilise labour or equipment for a contract
  • Buy materials for confirmed work
  • Pay suppliers during execution
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06Short-term liquidity for active businesses

Working Capital

Financing for eligible businesses that need additional short-term liquidity to sustain operations, fulfil demand, or support responsible growth.

  • Purchasing inventory
  • Paying suppliers
  • Funding materials
  • Fulfilling customer orders
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All financing is subject to product availability, assessment, eligibility, supporting documents, and the terms confirmed directly by Union Financial.