What we do
Agora Microfinance South Africa (AMSA) offers accessible and responsible financial solutions tailored to the informal sector, helping individuals unlock opportunities for business growth and financial stability. By removing barriers and providing personalized financial products, AMSA empowers entrepreneurs and communities to thrive.
Who do we support
Business owners
Entrepreneurs looking to start and grow their small businesses.
Self Employed
Self-employed individuals needing financial support.
Side Hustles
Employed individuals with a side hustle looking for financial support to grow their secondary income stream.
Groups
Groups of entrepreneurs pooling resources to launch or expand a business together.
Who we are
Agora Microfinance South Africa (AMSA) is part of the globally recognized Agora Microfinance Group, a leading microfinance operator-investor with over 15 years of experience, dedicated to empowering entrepreneurs and fostering financial inclusion in underserved communities.
agora microfinance south africa
AMSA supports underserved communities in the Western Cape, empowering entrepreneurs with financial support to build sustainable businesses. As part of the Agora Microfinance Group, AMSA leverages global expertise to drive financial inclusion.
agora microfinance group
Founded in 2009, it operates through a holding company in the Netherlands, with investments managed via Mauritius and advised from the UK.
Our products
BOOST Loan
Loan details
Loan term: max 6 months.
Loan amount: up to R7000, determined by affordability.
Purpose: short-term working capital to support informal business growth.
Document requirements:
Valid proof of identity in the form of an ID, Passport or another officially recognized document.
Proof of income.
Proof of address.
Bank statements (last 3 months).
Eligibility criteria:
Positive credit bureau check.
Satisfactory affordability check.
In business for at least 6 months or in stable (informal) employment.
Business ownership verification.
Age: 21 – 65.
Surety may be required.
StepUP Loan
Loan details
Loan term: max 18 months.
Loan amount: R7000 to R50 000, determined by affordability.
Purpose: business expansion through equipment or other investments
Document requirements:
Valid proof of identity in the form of an ID, Passport or another officially recognized document.
Proof of income.
Proof of address.
Bank statements (last 6 months).
Eligibility criteria:
Positive credit bureau check.
Satisfactory affordability check.
In business for at least 1 year or in stable (informal) employment.
Business ownership verification.
Age: 21 – 65.
Surety.
Keystone Loan
Loan details
Loan term: max 24 months.
Loan amount: R51 000 to R250 000, determined by affordability.
Purpose: Business investment
Document requirements:
CIPC registration document or Partnership agreement.
Valid proof of identity in the form of an ID, Passport or another officially recognized document.
Proof of income.
Proof of address.
Bank statements (min of 12 months).
Latest financial statements.
Eligibility criteria:
Positive credit bureau check.
Satisfactory affordability check.
In business for at least 2 year.
Business ownership verification.
Age: 21 – 65.
Collateral.
How do I apply?
Our application process
Application steps
Pre-application check:
Quick eligibility assessment to see if you qualify.
Loan application submission:
Complete an application and submit required documents.
Review & approval:
AMSA evaluates your application and performs a credit risk assessment.
Loan disbursement:
Once approved, funds are transferred via EFT.
Loan repayment:
Repay monthly via debit order.
Frequently asked questions
What loans do you offer?
We provide BOOST loans for first-time clients up to R7,000 and StepUP loans for returning clients that require bigger amounts for business expansion.
Is AMSA a regulated entity?
Yes, AMSA is registered as a Credit Provider and as such regulated by the National Credit Regulator.
Can I get loans anywhere from AMSA in South Africa?
No, at this stage we are only active in the Western Cape.
How do I apply?
Complete the pre-application check and submit the required documents online or get in touch with us through our contact details provided on our website.
Who is eligible for a loan?
Anyone aged 21- 65 , with a stable income or business and a positive credit bureau check.
How do I receive the loan?
Funds are transferred directly into your bank account via EFT.
Contact details
We are based in Cape Town CBD and proudly serve the Western Cape. For now, our services are limited to this region, but we look forward to expanding in the future!
Address
50 Long street Cape Town 8001
Business hours
Monday till Thursday from 8:00-16:00