Group Loan Application
Complete all 5 steps to apply
1
Business Info
Tell us about you
2
Form Group
Invite your peers
3
Loan Request
Amount & terms
4
Verification
Confirm identity
✓
Decision
Get your answer
🔒 Your data is encrypted and secured. Powered by XRP Ledger.
Disbursed via Telebirr & CBE.
Step 1 of 5
20%
Tell us about your business
We need a few details to understand your business profile. This takes under 2 minutes.
ETB 15,000
ETB 5,000ETB 100,000+
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Your information is encrypted and stored securely
Build your lending group
Your group of 5–7 trusted business peers guarantees each other's loans. Choose people you trust — their reputation is tied to yours, and yours to theirs.
Your Group Members
2 / 5 minimum
YOU
Your Business (Tigist's Salon)
Bole Sub-City · Salon/Beauty
Group Leader
AK
Almaz Kebede
0911 234 567 · Clothing Shop
✓ Confirmed
+
Empty slot
Add a member below
Pending
+
Empty slot
Add a member below
Pending
+
Empty slot
Add a member below
Pending
Group Strength
Building...
Add 3 more members to unlock loan access. Larger groups get better rates.

How joint liability works

Each group member is responsible for the group's collective repayment. If one member struggles, the others step in — not because IncluFi forces them, but because their own credit access depends on it. This is why group lending achieves 99% repayment. Your peers' trust is your collateral.

You can add more members later
How much do you need?
Choose your loan amount and repayment term. We'll show you your monthly payment and how much you save versus an MFI.
ETB 57,000
ETB 30,000 min ETB 115,000 max
Monthly Payment
ETB 10,142
Total Interest
ETB 3,852
IncluFi Rate
20% APR
MFI Rate Would Be
32% APR
💰
You save ETB 2,223 in interest compared to a typical MFI loan
Verify your identity
A few quick verifications and your application is complete. This keeps everyone in the group safe.
Business Photo
Required
Upload a photo of your business
JPEG or PNG, max 10MB. Storefront or workspace.
Telebirr Verification
Required

We'll send a 6-digit code to your Telebirr number to confirm it belongs to you.

Group Confirmations
3 of 5 confirmed

Each group member must confirm their participation before funds can be disbursed.

TY
Tigist Yilma (You)
✓ Confirmed
AK
Almaz Kebede
✓ Confirmed
BM
Birtukan Mekonnen
✓ Confirmed
SK
Selamawit Kassa
⏳ Pending invite
HG
Hiwot Girma
⏳ Pending invite
By submitting, you agree to our Terms of Service and Privacy Policy
Analyzing your application...
Checking group strength, mobile money history, and social trust signals
✓
You're Approved!
Congratulations — your group loan has been approved
Loan Amount
ETB 57,000
Monthly Payment
ETB 10,142
Group Score
82 / 100
Recording your credit history on XRP Ledger

Your loan will be disbursed to your Telebirr account within 24 hours. Each repayment is automatically recorded on the XRP Ledger — building a credit history that belongs to you forever.

After 3 successful group loan cycles, you'll be eligible for individual loans at even better rates. Your credit journey begins now.

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