The SEL loan is a small enterprise loan to finance small-scale businesses. SEL customers can be individual business owners, sole proprietorship companies, family companies, partnerships or incorporated companies. The aim of this loan is to increase working capital and cash flow and build assets.


  • Target group: Business Owners

  • Duration: 6-24 months

  • Loan Size: AFN 10,000 to 500,000 depending on client capacity

  • Collateral: Title deed (Title deed below AFN 100,000 is optional but over AFN 100,000 is mandatory)

  • Financial Guarantor: Business owner who has the capacity to guarantee the loan

  • Family Guarantor: close relative of the recipient’s family is mandatory