Frequently Asked Questions

 About MaxBalo Group Inc. 

  • MaxBalo is a capital facilitation platform focused on unlocking equitable financial access across Africa. We offer credit facilities and financial partnerships to underserved entrepreneurs, SMEs, and cooperatives, with a focus on sustainable impact to the community and outreach to women with not just credit but education and mentoring. We are not a traditional lender—we are a bridge to sustainable capital solutions, offering flexible structures that democratize access to growth capital.

  • MaxBalo was founded and is managed by a dynamic team of executives with footprints in both Africa and the United States. Our leadership combines deep financial services and business expertise with a passion for social impact. Learn more about our leadership team here.

  • MaxBalo’s objective is to democratize lending in Africa making capital available to businesses and individuals at all economic levels.  By doing so, MaxBalo intends to help drive economic growth, business success, opportunity and a virtuous economic cycle in communities we serve. By doing so, we desire to have a real impact on the communities we serve by creating sustainable opportunities for all. We intend to make this happen by providing timely access to capital when no credit histories are available but when businesses and individuals can show a business plan with collateral for the capital they borrow.  Our intent is to enable this through Capital Facilitation as a Service (CFaaS) meaning it’s not just about a one time loan but as continuing service to businesses and individuals to help them with their capital needs when needs arise allowing them to plan, invest in growth with a sense of security and continuity. In other words, we provide a bridge to sustainable capital solutions. Further, we want to maximize our customer’s successes so we invest in our customers by providing free education and mentoring/coaching through our partnership with GIAC.

    The principles we follow are our guiding lights:

    • Deep respect for individuals

    • Uncompromising adherence to our ethics

    • Duty to our investors and partners

    • Making sustainable impact in the communities we serve

    • Fair and equitable treatment of all whom we interact with

  • Because we see what we do not as a stand alone event but as a partnership with our customers where we provide a bridge to sustainable capital solutions that allows them to plan, develop and grow businesses.  Our model is to provide Capital Facilitation as a Service (CFaaS), a continuum of engagement, funding, and coaching.  We view our CFaaS as an engine for economic growth that will allow communities to enter a virtuous economic cycle. This means not just supporting SMEs but also supporting individuals that we serve through our reseller network whom are vetted and who must follow our ethical principles and loan requirements ensuring fair and equal treatment for all.

  • CFaaS or Capital Facilitation as a Service is what we call our engagement process with our customers.  Our intent is not to just make a one time loan but we want an on-going engagement with our customers, a continuing service to businesses and individuals to help them with their capital needs when needs arise allowing them to plan, invest in growth with a sense of security and continuity. In other words, we provide a bridge to sustainable capital solutions.  We want to help our customers not just on their immediate capital needs but their capital needs on an on-going basis driven by a business plan.  To help our customers, we would partner with them and GIAC to help coach and mentor them to develop more robust plans to drive more successful outcomes.

Loan Access & Eligibility

  • To apply, prospective recipients must:

    • Complete a credit facility application

    • Provide KYC and AML-compliant documentation

    • Sign relevant agreements (including partnership and agent disbursement agreements)

  • No. Participation in MISA (MaxBalo Impact Savings Account) is not required to apply for a loan. MISA is a savings product offered to qualified individuals and organizations with whom we have pre-existing relationships, subject to U.S. SEC Regulation D guidelines, and is separate from the general loan application process.

  • Loan applications may be declined for several reasons, including:

    • Incomplete documentation

    • Weak business cash flows or financial records

    • Poor credit history or prior defaults

    • Inability to verify identity or ownership. Please note: Demand for our loans exceeds current capital availability. We prioritize readiness, clarity, and impact when evaluating applications.

  • Yes, though access depends on where MaxBalo currently operates. If we are not yet active in your country, you may still engage through GIAC (Global Impact Accelerator Corporation). GIAC provides advisory support to help prospective borrowers strengthen their business operations and credit readiness. While it does not guarantee funding, working with GIAC can help position your business for future opportunities once MaxBalo expands into your region or partners become available.

  • When we loan money, we look at multiple factors. Perhaps most importantly, we are a young business with limited capital constraining the loans we can make. The demand for capital that comes to us far exceeds our ability to provide capital.  As we grow our capital base, we will be able to expand the portfolio of loans we make.  So even if we cannot fund a loan today, we fully expect that we will be able to fund a great percent of loans in the future.  That said, we do have several criteria:

    • The size of a loan, the risk parameters, available collateral, ability to repay the loan and prior relationship are key factors in determining loan eligibility.

    • The social impact the loan will have.  We balance our capital between direct loans we make and loans we make to our reseller network to make capital available to unbanked individuals and underserved communities. We further want to enable women in underserved communities and we want to maximize our impact on families in a sustainable manner.

Risk & Compliance

  • We take a multi-layered approach:

    • Require thorough due diligence and documentation

    • Use movable collateral or soft guarantees where applicable

    • Partner with trusted agents and cooperatives

    • Conduct cashflow-based assessments, not just collateral

    • Monitor repayment behavior in real-time

    • Align with AML/KYC protocols under local laws

  • In the event of default, MaxBalo reserves the right to:

    • Exercise rights over pledged collateral

    • Report to local credit bureaus or regulators as required. However, our preference is always to restructure in good faith. We work with borrowers wherever possible to avoid harsh recovery steps with the intent of treating all of our customers with respect.

Investment & Impact

  • Yes—MaxBalo welcomes partnerships and investment from a range of aligned stakeholders, including:

    • Impact funds

    • Development Finance Institutions (DFIs)

    • Diaspora investors

    • Mission-driven capital pools

    • Qualified individual investors 

    Our blended finance model enables co-investment opportunities that deliver measurable social impact alongside financial returns. We prioritize partners who share our vision of democratizing access to capital across Africa.

  • We are committed to:

    • Creating real and sustainable opportunities across social strata by empowering SMEs and individuals with timely capital that fuels business creation, stability, growth, and innovation leading to a virtuous economic cycle within the communities we serve. 

    • Creating financial track records for the underserved.

    • Sustainably generating jobs and economic mobility across Africa.

    • Promoting gender equity and rural financial inclusion with emphasis on providing capital to women and families.

    • Providing financial education and mentoring to the communities we serve.

  • We operate under the financial laws of the countries we serve. For example, in Zambia, we:

    • Observe all KYC, AML, and data protection obligations

    • Comply with the Zambia Data Protection Act and the Tax Act

    • Work with registered entities and government-licensed agents

  • MISA is MaxBalo’s program to raise working capital to accelerate the impact we have on the communities we serve. The demand for capital far exceeds our available capital and as a result, we cannot fund many of the requests we get. MISA (MaxBalo Impact Savings Account) is the program by which qualified businesses and individuals can help MaxBalo raise capital. Through MISA, MaxBalo can accept investments from qualified businesses and individuals. The MISA program provides attractive fixed returns for cash investments made with the MISA program. Please note that the MISA program is only open to qualified businesses and individuals who have a relationship with MaxBalo or MaxBalo’s partners. MaxBalo is NOT soliciting investors and nothing on this site nor FAQ section should be construed as such.

Partnering with MaxBalo

  • Absolutely. MaxBalo partners with:

    • SACCOs (Savings and Credit Cooperatives)

    • Trade associations

    • NGOs and donor-funded programs. We offer tailored credit structuring and monitoring tools to help your members access and responsibly manage financing.

Other Questions

  • After full documentation and agreement completion, funding can be processed in 1–5 business days, depending on due diligence and agent coordination.

  • Repayments are made through bank transfer or via authorized agents. Repayments are expected net of applicable Zambian taxes, and all collateral is released upon final settlement.

  • We primarily disburse in USD or local currency, depending on jurisdictional regulations and borrower needs.

  • Please reach out to us at:

    Or complete the inquiry form on the Contact Us page here.