These are affordable and flexible loans offered to salaried individuals in both the public and private sectors in Malawi. The salary is the basis of the credit offering and source of repayment. Repayments for the PFS Payroll Loans range from 3-60 months. Loans range from a minimum of MK 50,000 to a maximum of MK 5,000,000.00.

The PFS Working Capital Loan is one that is availed to fund the day-to-day operations of a business, ranging from payment of employees’ wages to covering accounts payable. The working capital loan is a short-term loan facility that runs up to a period of 12 months.

This is a credit facility that Pinnacle Financial Services offers to SMEs in Malawi to help them acquire equipment or essential assets for the business. The loan repayment is up to 24 months.