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Operating Capital Finance

To finance the everyday operations of your SME Business, you can apply for operating capital finance. The loan can be structured for tenure between 3 months and 24 months depending on the financing needs of your business. Working capital loan will help to cover gaps in cash flow is the period of rapid growth.

  • You determine how much you want to borrow based on the capacity of the business and projected cash flows.
  • Interest rate is linked to MPC
  • Flexible repayment schedule – weekly, monthly, bi-annual, annual – depending on your business cycle and cash flows.


Contact your Relationship Manager or visit your nearest ZICB branch.