A Global Finance Solutions
Digitizing and scaling the Fixed Term Loan model — bridging traditional risk assessment with modern accessibility for the "missing middle."
Executive Overview
🎯 Target Market
Tanzanian salaried professionals earning over Tsh 150,000/month — the "missing middle" underserved by banks and exploited by micro-lenders.
⚙ The A-Model
Fixed Term Growth Loans with scientific amortization. Installments capped at 30% of net income. Zero balance at term end — guaranteed.
📱 Digital Ecosystem
Mobile-responsive portals for employees, HR/Employers, and M-Pesa/Airtel Money/Tigo Pesa integration for same-day disbursement.
✅ Quick Eligibility Checker
🧮 Interactive Loan Calculator
Instant transparency on monthly repayments using scientific amortization. The 30% ITI guardrail is enforced automatically.
🤝 Strategic Partnerships
AGFS proposes customized "Bank-at-Work" models for various industries. Filter by sector:
📋 Partner Proposal Generator
💳 Payment Gateway Ecosystem
AGFS integrates gateways categorized by regional expertise. Typical transaction fee: 2.9% + $0.30 per transaction.
🧮 Transaction Fee Calculator
🚚 Global Delivery Footprint
AGFS operates across four primary delivery zones. Select your region to see coverage:
📦 Disbursement Estimator
🗺 Implementation Roadmap — 90-Day Pilot
AGFS follows a structured, low-risk rollout process across four phases.
📅 90-Day Pilot Planner
✨ Key Benefits for Partners
📈 Partner ROI Estimator
📬 Contact & Request a Demo
Direct Contact
📍 Tanzania, East Africa