Application process
Different loan paths need different review steps.
Personal borrowers, SMEs and large companies do not move through the same approval journey. This page explains how the flow changes by applicant type.
Our process
Select the customer category.
The process is separated because a school fees request, an SME facility and a large company facility usually need different documents and review levels.
Calculate
Choose emergency, school fees, logbook or personal loan and review the estimated monthly repayment.
Identify borrower
Share name, phone, location, income source and the reason for borrowing.
Verify documents
Provide ID, income evidence, school invoice, logbook or other loan-specific documents.
Decision and payout
Tuula confirms eligibility, repayment terms and next steps before disbursement.
Business need
Define whether the finance is for stock, cash flow, equipment, contracts or expansion.
Business profile
Submit business registration details, owner contacts, trading location and operating history.
Cash-flow review
Share sales records, bank or mobile money activity, invoices, contracts or asset quotations.
Offer structure
Tuula reviews capacity, security where needed, repayment cycle and suitable facility size.
Facility request
Capture the project, capital need, amount, tenor, purpose and decision timeline.
Document pack
Collect company registration, financial statements, board approvals and supporting contracts.
Credit committee
Review risk, collateral, sector exposure, repayment source and compliance requirements.
Approval and monitoring
Confirm terms, sign agreements, disburse in stages where needed and track repayment performance.
Before approval
Prepare the right information early.
Personal borrowers should prepare identification, contact details, income source and any loan-specific document such as a school invoice or vehicle logbook.
Businesses should prepare business registration details, sales or cash-flow records, invoices, contracts, asset quotations and a clear reason for the facility.
Large companies may need a fuller document pack, approvals, security details, repayment source, project notes and credit committee review.