SAFE CAPITAL MICROFINANCESIERRA LEONE LIMITED

SAFCAM MFI enhances easy access to finance by empowering SMEs, Petty Traders, VSLAs, Small holder farmers, FBOs, Cooperatives, and Agric Business across Sierra Leone for sustainable Growth.

SAFCAM MISSIONSSupporting Agriculture & Rural Development

UNDP in collaboration with Safe Capital Microfinance on a joint mission to Bonthe and Tonkolili District

A successful joint mission by UNCDF-SL, CDC consulting and Safe Capital Microfinance, partners in the Salone Access to Finance project funded by EU. wrapped up a one day farmers visit in Portloko District.

Loan disbursement to VSLAs at Segbewema community Jong Chiefdom Bonthe District.

Capacity building of cross women led SMEs in Kambia District under the PERSIF project funded by AfDB.

Meet One of Our Success Stories — A Proud Munafa Loan Beneficiary Turning Determination Into Daily Progress

Her Smile Says It All — A Thriving Businesswoman, Proudly Powered by the Munafa Loan

On the Ground, With the People — A Field Visit to Witness Progress Firsthand in Valunya Chiefdom, Bo District. Engaging with hardworking farmers and tracking real impact where it matters most — in the heart of the community

Harvesting Success — Local Farmer Proudly Displaying His Cassava Yield in Bumpeh Ngo Chiefdom, Bo District

Field Support Team — SAFCAM Representatives Visiting Cassava Farmers in Bumpeh Ngo Chiefdom, Bo District

Agricultural Partnership in Action — SAFCAM Team and Local Farmers Collaborating at Cassava Farm in Bumpeh Ngo Chiefdom, Bo District

Field Visit — Safe Capital Microfinance Support for Rice Farm Owned by a Person with Disability in Tikonkon Town, Tikonkon Chiefdom

Community Engagement — SAFCAM Team Meeting with Rice Farmers in Tikonkon Chiefdom, Supporting Inclusive Agricultural Development

Rural Financial Inclusion — SAFCAM's Loan Disbursement Session with Village Savings & Loan Association (VSLA) Members in Bonthe District

Empowering Youth Entrepreneurs — Disbursing Microloans to Young Business Owners in Bonthe District as Part of SAFCAM's Financial Inclusion Initiative

Women's Economic Empowerment — SAFCAM Representatives Providing Financial Support to Female Entrepreneurs in the Bonthe District Community

Building Sustainable Livelihoods — SAFCAM Team with VSLA Members After Successful Loan Disbursement in Bonthe District's Rural Community

Inclusive Financial Solutions Designed for Low-Income individuals and Rural Agricultural Populations

Our specialized financial services are structured to address the unique financial needs of low-income individuals, micro and small enterprises (MSEs), petty traders, smallholder farmers, Village Savings and Loan Associations (VSLAs), Farmer-Based Organizations (FBOs), cooperatives, and agribusinesses operating in rural and underserved areas.

Commercial Loan

Specialized loan products designed for established businesses with flexible terms that align with business cash flows and expansion plans.

Business expansion loans
Working capital financing
Inventory financing
Lower interest rates for business growth

Munafa Loan

Government of Sierra Leone supported loans for Micro, Small and Medium Enterprises (MSEs) to boost local businesses and entrepreneurship.

Low interest rates
Flexible repayment options
Government-backed security
Quick processing and disbursement

Agricultural Loan

Specialized financing for farmers and agribusinesses with flexible repayment schedules aligned with harvest cycles.

Input supply financing
Equipment and machinery financing
Livestock financing
Value chain financing
Warehouse receipt financing
Farm expansion financing for land acquisition
Emergency farm recovery assistance
Competitive interest rates for agricultural projects

Solar Lighting Product Loan

Affordable financing options for solar lighting products, helping communities access clean energy solutions for homes and businesses.

Flexible payment plans for solar equipment
Partnerships with quality solar services providers
Technical support and installation guidance
Long-term warranty coverage
Environmental impact assessment

Remittance & Mobile Money

Fast and secure money transfer services, including international remittances and Mobile Money wallet services for convenient transactions.

Instant money transfers across Sierra Leone
Mobile Money integration for digital transactions
Cash pickup options at multiple locations
Secure transaction monitoring

Business Development Services

Comprehensive support services for businesses to improve performance, access to markets, and overall growth.

Training and Capacity Building
Access to Finance Facilitation
Market Access Services
Technology and Product Development
Legal and Regulatory Support
Mentoring and Networking

Our Impact in Numbers

Safe Capital Microfinance is committed to the growth of Sierra Leone's agricultural sector. Here's how we've made a difference so far.

8,300+

Farmers Served

$500K+

Agricultural Loans

75%

Loan Repayment Rate

Loan Calculator

Estimate your loan payments with our easy-to-use calculator. Adjust the values to see how different loan amounts, terms, and interest rates affect your repayment.

Loan Parameters

Loan Amount ($)$5,000

$1,000$50,000

Loan Term (months)24 months

6 months60 months

Interest Rate (% p.a.)12%

5%20%

Calculation Results

Adjust the loan parameters and click "Calculate Loan" to see your estimated payments.

What Our Clients Say

Hear from farmers and agribusinesses across Sierra Leone who have experienced the positive impact of our financial services.

"Safe Capital Mircofinance (SL) Ltd transformed my farming business. Their agricultural loan helped me acquire modern equipment that increased my yield by 40%."