Our Services

Financing solutions designed for every stage of your business. Choose the ideal plan and start growing.

Microcredit

Popular

5.000 - 50.000 MZN

From 2.5% per month

Up to 12 months

Benefits

  • No collateral required
  • Approval within 24 hours
  • Flexible installments
  • Personalized follow-up
  • No opening fee

Requirements

  • Valid identification document
  • Proof of residence
  • Business activity for at least 6 months

SME Loans

Recommended

50.000 - 500.000 MZN

From 1.8% per month

Up to 36 months

Benefits

  • High amounts
  • Competitive rates
  • Customized payment plan
  • Financial consulting included
  • Grace period available

Requirements

  • Legally registered company
  • Financial statements for the last 12 months
  • Business plan

Special Financing

Premium

500.000+ MZN

Negotiable rates

Up to 60 months

Benefits

  • Customized amounts
  • Preferential rates
  • Dedicated account manager
  • Strategic consulting
  • Debt restructuring
  • Access to partner network

Requirements

  • Company with over 2 years of activity
  • Proven annual revenue
  • Financial audit
  • Real or personal guarantees

Frequently Asked Questions

Find answers to the most common questions about our services.

What are the minimum requirements to apply for a loan?

For Microcredit, you need a valid identification document, proof of residence, and a business activity for at least 6 months. For larger amounts, additional requirements vary by product.

How long does approval take?

Microcredit is approved within 24 hours. For SME Loans, the process takes 3 to 5 business days. Special Financing has an analysis period of 7 to 15 business days.

Can I pay early without penalty?

Yes. In all our products, early payment is allowed without any additional penalty. We encourage good financial management from our clients.

Is a bank account required?

Yes, you need an active bank account in Mozambique to receive funds and make installment payments.

Does Onix offer financial consulting?

Yes. Consulting is included in SME Loans and Special Financing products. For Microcredit clients, we offer free financial management workshops.