School Improvement Loan

Build Better Learning Spaces – Without Disrupting Your Cash Flow

Upgrade, expand, and run your private school more efficiently with financing designed for education businesses. Use the School Improvement Loan to renovate classrooms, add infrastructure, purchase desks, or improve utilities—while keeping repayments aligned to your school fee cash flows.

Ready to improve your school?

Enquire today to request a call-back or visit your nearest FINCA branch to discuss your financing needs.

Key benefits

  • Flexible loan amounts: K10,000 to K2,000,000.

  • Cash-flow friendly repayments: repayment schedules aligned with school fee cycles.

  • Competitive interest rates to help you invest sustainably.

  • Fast access to funds once your documents are complete.

  • Guidance you can trust: relationship officers who understand education businesses.

Who can apply

  • Registered private schools (Limited Companies, Trusts, Church Schools, Partnerships, or Sole Proprietors).

  • Licensed by relevant authorities.

  • Operating history: minimum 2 years in operation.

  • Enrollment: at least 100 learners.

Loan details

  • Loan range: K10,000 to K2,000,000.

  • Repayment period: 3 to 36 months.

  • Repayment frequency: monthly or termly (depending on your school fee cycle).

  • Collateral: flexible collateral options available.

  • Approval: all loans are subject to credit approval and applicable terms and conditions.

What you’ll need to apply
  • School/business name and contact details.
  • Requested loan amount and purpose (e.g., renovations, desks, utilities, infrastructure).
  • Identification details for the applicant/authorized signatories.
  • Any additional supporting documents requested by FINCA during assessment.

Loan application process: three easy steps

Experience an application process built on trust, efficiency, and your unique needs.

  • 1

    Enquire or visit a branch: submit an enquiry online or visit your nearest FINCA branch. Our team will contact you to confirm your details and understand your school’s needs.

  • 2

    Consultation and document submission: meet a relationship officer, agree on the loan purpose and repayment plan, then submit the required documents for assessment.

  • 3

    Approval and disbursement: once approved, sign the loan agreement and receive your funds so you can begin improving your school

Legal disclaimer

All loans are subject to credit approval, collateral requirements, and applicable terms and conditions.

Start your application

Applying for a loan with us is a straightforward and convenient process.


Frequently Asked Questions

Approximately five working days once your application and supporting documents are complete (subject to credit approval).

Monthly or termly repayments are available, depending on what best fits your school fee cycle.

Loan amounts range from K10,000 to K2,000,000, depending on your school’s needs and assessment results.

We are always happy to talk!

Request a callback.