Loans & Credit Lines

Over the years, we’ve developed a range of financial products that can be tailored to meet the needs of each specific partner. We give loans instead of grants as we believe that loans are more effective for achieving economic productivity. Loans create a real business partnership based on mutual respect.

We provide loans and credit lines, either can be offered in euros or in local currency. Loan amounts are based on both the partner's needs and the risk assessment of the institution.

Credit lines are generally for a shorter term and are more flexible. For example, if a borrower requires working capital for a few months within a year, a credit line would be a suitable product, as interest is paid only on the amounts drawn at any one point.

Procedure for obtaining a loan or credit line:

  1. The potential project partner should complete a form provided by Oikocredit, and submit it together with the previous three years of financial statements.
  2. Oikocredit will conduct one or more field visits for appraisal and, if satisfied, will submit the proposal to the Credit Committee at the internatinal office in the Netherlands.
  3. Once approved, the legal process will start. When all legal and AML requirements are met, the loan amount will be released. 

For more information contact one of our EECA regional offices