Credit – DIFO S.A: Credit that turns your ideas into reality
Do you have a dream? An urgent need? A project stalled due to lack of funds?
At DIFO S.A., we believe that a good loan shouldn’t put you into debt, but rather propel you forward.
That’s why we’ve designed flexible, accessible credit products tailored to your ambitions.
Our mission: to make your projects possible, even if you’re starting from scratch.
“Credit is like a ladder: you use it to climb, not to lean on.“
We believe in you, in your ideas, in your energy. Whether you’re a business owner, student,
employee, craftsman, or farmer, we have a solution to finance you intelligently.
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1. Very short-term loans – Because a small shortfall shouldn’t slow your momentum.
. Monthly advance (1-month overdraft)
Are you an employee or do you receive a regular income? This product gives you a breather between paychecks.
– A little immediate boost to keep you going throughout the month with peace of mind.
. Quarterly overdraft (3 months)
Ideal for covering unexpected or urgent expenses without disrupting your finances.
– A quick response, clear terms.
2. Short-Term Loans – Give Your Business a Boost
. Agricultural / Livestock / Fishing Credit
Are you active in the rural sector? Don’t let the seasons dictate your resources!
– This loan is designed to accommodate the pace of your agricultural, livestock, or fishing business.
. Cash Flow Loan
Are you a retailer experiencing a cash flow shortfall?
– This loan helps you keep your shelves full, your customers served, and your business dynamic.
. Ku Kivi Credit
Intended for small businesses who save with us through the Ku Kivi Savings product.
-After 3 months of saving, you receive a loan guaranteed by your own efforts.
It’s smart, supportive, and local credit.
3. Medium-Term Loans – Invest to Grow
. Small Equipment/Home Improvement Loan
Need to modernize your workshop? Purchase equipment? Improve your home?
– This loan gives you the means to sustainably improve your living or working conditions.
. Commercial Loan
Do you have a business that you want to expand or modernize?
– This product offers you the means to professionalize and increase your income.
4. Special Loans – For those investing in the future
. Scholarship Loan
For ambitious but financially constrained university students.
-Finance your studies without blocking your future.
.Tangura Ubuzima
A product specially designed for recent graduates or students nearing the end of their studies.
-Start your career with a solid foundation.
5. Group and solidarity loans – Together, we go further
. Solidarity/Collective Loans
Are you an association, a group of friends, or a community?
– Obtain group financing based on solidarity, trust, and commitment.
6. Loans for Entrepreneurs – For those who dare to create
. Small Entrepreneurship Loan
Do you have an idea, a small project, or a start-up?
– Whether you’re alone, in a group, or a company, this loan will give you the first boost.
. Line of Credit
Intended for experienced business owners who want a financing reserve to use as needed.
– Greater flexibility, greater agility.
7. Savings-Related Loans – Your Efforts Rewarded!
. Privilege Savings Loan
Have you been saving seriously? Congratulations!
– DIFO doubles your investment with a loan equal to double your savings.
Your diligence becomes your guarantee.
. Equipment-In-Kind Loan
Need specific materials, tools, or equipment?
– This loan allows you to receive what you need directly, without using cash.
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Why choose DIFO S.A. loans?
✅ Clear and accessible terms
✅ A personal touch, a tailored approach
✅ Products rooted in local reality
✅ Support before, during, and after the loan
✅ Loans designed to build, not trap
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It’s time to turn your plans into action!
Stop waiting for “the right time.” Tell us about your ideas. At DIFO S.A., we believe every ambition deserves a chance.
Come today. Leave with a plan.
Come back tomorrow. Leave with a solution.
And build the future you deserve.
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– Visit your nearest DIFO S.A. branch.
– Call us now to discuss your project.
– Apply for your loan online soon!
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DIFO S.A. – Responsible, accessible, and motivating credit for those who want to move forward.