Smart Lending, Real Growth

Instant access to affordable loans, transparent repayments, and flexible terms tailored for Rwandan businesses & individuals. Powered by AI.

Apply for Loan →
check_circle 100% digital
speed Same-day approval
lending

₿ 2.5B+

Loans Disbursed

98%

Client satisfaction

24h

Average approval time

About GuzaSico

🏦 The GuzaSico Story (Rick's insight)

Founded by visionary fintech leader Rick M., GuzaSico emerged from a mission to break financial barriers in East Africa. Rick identified that traditional banks ignored SMEs and individuals with informal income. Today, GuzaSico uses AI scoring, transparent lending, and community-driven values to empower over 20,000 borrowers. Our name — "Guza" (to lend/catalyze) + "Sico" (secure) — embodies trust and financial inclusion.

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Our Mission

To democratize access to ethical credit, providing instant, affordable loans that fuel entrepreneurship and personal prosperity.

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Our Vision

A financially inclusive Africa where every dream is backed by smart lending, regardless of collateral limitations.

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Core Values

Transparency | Speed | Integrity | Customer-first | Innovation. Every decision revolves around trust and mutual success.

Loan Products & Lending Terms

Flexible financing with crystal-clear conditions

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📈 Business Express

₿ 200k – 15M | 6–24 months | Interest: 1.9% monthly

✔️ Working capital, inventory, expansion

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👤 Instant Personal Loan

₿ 50k – 3M | 3–12 months | Interest: 2.3% monthly

✔️ No guarantor, fast approval

agriculture

🌾 Agribusiness Loan

₿ 100k – 8M | 3–18 months | Interest: 1.7% monthly

✔️ Seasonal repayment options

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📚 EduLoan (Students & Parents)

₿ 100k – 2M | 6 months – 2 years | Interest: 1.5% monthly

payments Loan Repayments

  • ✅ Monthly installments via bank, mobile money (MTN, Airtel) or direct debit
  • ✅ Early repayment reduces total interest – no penalty!
  • ✅ Grace period: up to 15 days after due date (late fee applied after)
  • ✅ Flexible rescheduling – contact support for payment holiday

warning Penalties & Late Payment Info

  • ⚠️ Late fee: 5% of the overdue installment after 15-day grace
  • ⚠️ Default interest: +2% per month on outstanding principal after 30 days
  • ⚠️ Repeated delinquency affects credit score & future borrowing limit
  • ⚖️ Transparent terms – no hidden charges, full disclosure before signing

📐 Loan Repayment Calculator

Estimate monthly installment & total payable

Monthly Installment: — RWF

Total Interest: — RWF

Total Repayment: — RWF

*Disclaimer: indicative calculation, actual loan terms may vary after credit assessment.

Loan Application Process

From start to funding — seamless and transparent

1

Register & Apply

Fill online form (basic ID, income source). Takes 5 minutes.

2

AI Credit Scoring

Our algorithm checks affordability & gives instant pre-approval.

3

Sign e-Contract

Review terms, penalty info & repayment schedule. Digital signature.

4

Disbursement

Funds sent to your mobile money or bank account within 24h.

✅ Required documents (minimal)

National ID / Passport • Proof of income (bank statement or M-Pesa statement for last 3 months) • Business registration (for business loans)

💡 Tip: Higher credit score = lower interest rate. Build your history with GuzaSico!

Need help? Contact loan officer →

Get in touch

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Head Office

KG 541 St, Kigali Heights, 3rd Floor, Kigali - Rwanda

phone

+250 789 585 4635 | +250 785 648 707

email

sico.financeltd@gmail.com

schedule

Mon-Fri: 8:00 - 17:00, Sat: 9:00 - 13:00

Send us a message



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