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72 Hours
Max Approval time
group
6 Sectors
Tailored Solutions
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0%
Early Penalty Fee
sms
1-on-1
Expert Support
Our Mission
To provide accessible, ethical, and innovative financial services that foster economic growth in Malawi.
Our Vision
To be the leading financial catalyst for a prosperous and financially inclusive Malawi.
Trusted Since 2025
Your Partner in Financial Growth & Stability
Times Capital Finance is more than just a lender. We are a locally rooted institution dedicated to understanding the unique financial landscape of Malawi.
- check_circleLocally managed and owned.
- check_circleRegulatory compliant and supervised by RBM.
Our Financial Solutions
Explore our range of credit and advisory services designed to meet your specific needs.
Personal Loans
Fast personal loans for civil servants and private sector employees with competitive interest rates.
Group Business Loans
Financial solutions focused on empowering community groups and women entrepreneur
SME Financing
Flexible working capital and growth capital for medium-sized enterprises.
Payroll / Employer-Supported
Convenient loan options for salary employees with employer supportport.
Agricultural Cooperative Loans
Tailored financial support to empower farming co-ops and boost production.
Lifestyle and & Loans
Flexible financing for education, weddings, assets and home upgradeses
Simple 4-Step Application
We’ve streamlined our process to ensure you get the funds you need quickly.
01
Submit Application &KYC
Complete the loan application form (at a branch or via a field agent) and provide your valid ID, proof of residence and proof of income or business
02
Credit Review &Assessment
your application undergoes creditworthiness analysis by our credit officers, supervisors and branch managers
03
Management Approval
The credit manager and executive management review the application and issue your official offer letter
04
Agreement &Disbursement
sign your loan agreement set up your account and receive direct funds disbursement
01
Apply Online
Complete the form.
02
Verification
Documents are checked.
03
Approval
Get clear terms fast.
04
Disbursement
Funds sent to account.
Why Choose Times Capital?
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Rapid Turnaround Time
Fast processing with approvals granted withing 72 hours (3 working days) for over-the-counter applications, and within 5 working days for field applications upon submitting full documentation
- check_circleTransparent conditions
- check_circleNo hidden fees
- check_circleCompetitive rates
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Affordable & Tailored Solutions
Access to competitively priced loan structures customised specifically to fit your individual lifestyle or business needs.
- check_circleTransparent conditions
- check_circleNo hidden fees
- check_circleCompetitive rates
Voices of Our Customers
"The salary loan process was incredibly smooth. I managed to pay my daughter's university fees just in time. They're a lifesaver!"
Josephine Banda
Civil Servant, Lilongwe
"As a small business owner, finding a bank that understands our market is hard. Times Capital listened to our vision."
Limbani Phiri
Business Owner, Blantyre
"Transparent, professional, and helpful. No hidden fees or surprises. Their financial advisory kept me on track."
Grace Mwale
Entrepreneur, Mzuzu
Get in Touch
Have questions? Our support team is here to assist you.
call+265 889 999 718
mailinfo@timescapitalfinance.mw
location_onArea 4, Off Chilambula Road
local_post_officeP.O. Box 273, Lilongwe
location_on
Times Capital Finance
Lilongwe, Malawi
Frequently Asked Questions
What are the eligibility requirements for a loan?expand_more
Eligibility: Salaried individuals, Sole Proprietors, Farming Co-operatives, MSMEs, Women Groups, and enterprising Youth.
- Valid ID (National ID, Passport, or Driver's License)
- Proof of Residence (utility bill) and proof of business existence (e.g., registration certificate)
- Proof of Income (payslips for salaried individuals; bank or financial statements for businesses)
How long does the approval process take?expand_more
Where all valid and relevant documentation is submitted, approval is completed within 72 hours (3 working days) for branch/OTC applications and within 5 working days for field-agent applications
Are there any hidden fees?expand_more
Transparent fees include standard processing fees, an administration fee (covering Credit Reference Bureau checks, distribution, and communications), an insurance premium (~1% of loan amount), and legal fees where pledged asset registration or title changes apply.
Can I settle my loan early?expand_more
Yes, borrowers can settle their loans early at any time without incurring any penalty fees.
Ready to Take Your Next Step?
We’re here to support your personal and business growth.