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These are medium sized loans to Small and Medium Entrepreneurs to support small and medium sustainable businesses and investment related activities. The credit need is analyzed based on the size, nature and viability of the enterprise to be financed. The objective is to support Small and Medium Entrepreneurs to expand and grow their profitable operations

Benefits of NMB Small and Medium Enterprises (SME) Loans

  • Applicant can borrow from TZS 15,000,000.00 to a maximum of TZS 1,500,000,000.00
  • It provides loan funds for both working capital and long term investment needs
  • Easy to obtain from our existing largest network of branches all over the country
  • Competitive interest rates
  • Our officers are regularly trained to equip the borrowers with business skills
  • Flexibility in repayments ranging from 6 months to 60 months depending on the credit purpose, purpose and anticipated cash flows
  • SME’s can graduate and become eligible for corporate loans within NMB. Corporate clients can borrow from TZS 1.5 billion upwards.
  • Flexible and appropriate installment terms for businesses with irregular cash flows.

Eligibility for NMB Small and Medium Enterprises (SME) Loans

  • Applicant must be at least 18 years of age
  • At least three years’ experience in operating same or similar business
  • The business must be located within a location served by an NMB branch
  • Business must have a steady cash flow.
  • Applicant must have proper recording system and also shows the capability of operating business profitably
  • Applicant must have a premise (owned or rented).
  • The borrower must have business license/permit from local authorities in his or her own name
  • Applicant must have good reputation in the community
  • Applicant must open or have a NMB Business Account or NMB Business Account Plus with NMB

Where to apply

If you are interested in this product, please contact your nearest NMB branch by clicking HERE or email

  • USD: 2,279
  • GBP : 2,917
  • EUR : 2,449
  • JPY : 24
  • ZAR : 190
  • KES : 25
  • UGX: 0.7194
  • AUD: 1,735
  • CAD: 1,710
  • CHF: 2,298
  • CNY: 345
  • DKK: 343
  • NOK: 283
  • SEK: 270
  • USD: 2,159
  • GBP : 2,763
  • EUR : 2,320
  • JPY : 18
  • ZAR : 150
  • KES : 20
  • UGX: 0.5194
  • AUD: 1,635
  • CAD: 1,610
  • CHF: 2,198
  • CNY: 305
  • DKK: 303
  • NOK: 243
  • SEK: 230
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