Welcome to Harvest Microfinance
“HARVEST MICROFINANCE” (HaMFI) Limited is a financial service provider (FSP) in Sierra Leone that provides financial services at the lower end of the market, particularly to micro, small and medium enterprises (MSMEs). At HaMFI we adopt creative approaches to address risks associated with service delivery which focuses on the untapped segments of the population neglected by mainstream banks. Our main focus is on youth and women to help them grow their small businesses and have access to clean water, proper nutrition, good healthcare, proper education and most importantly gain their dignity. HaMFI is licensed with the Bank of Sierra Leone and fully owned by Sierra Leonean citizens.
Why Choose HaMFI?
Inclusive Financing:
We specialize in serving clients often overlooked by traditional banks, ensuring financial inclusion for all.
Tailored Products:
Our loan offerings are designed to meet the unique needs of various sectors, including trading, services, manufacturing, agriculture, and more.
Community Impact:
With over 3,500 customers—84% of whom are women- we've witnessed tangible improvements in livelihoods, from increased business capital to better access to education and healthcare.
Local Expertise:
Fully owned by Sierra Leonean citizens, we possess an intrinsic understanding of the local economic landscape.
Our 3-Step Quick Loan Process
Fast. Simple. Reliable.
At Harvest Microfinance Ltd, we believe in making finance easy and accessible. That’s why we’ve designed a 3-step Quick Loan Process to help you get the funds you need without the hassle. Experience the difference.
Your loan is just 3 simple steps away because at Harvest Microfinance Ltd, we value your time and trust.
01
Apply with Ease
Visit any of our branches or contact us online to complete a short loan application form. Our friendly loan officers are ready to guide you through the process and help you select the loan product that best fits your needs.
02
Swift Review & Approval
Once your application is submitted, our team conducts a quick yet thorough review. We focus on understanding your business and repayment ability, not just paperwork.
03
Get Disbursed & Grow
Once approved, your loan is disbursed directly to your account or paid in cash, depending on your preference. You can now focus on what matters, growing your business, handling emergencies, or securing your future.
Products
Few of our products and services
#1
Semi Individual Loan
These are loans for micro enterprises or individuals engaged in trading
#2
Small Individual Loan
They are loans to small enterprises engaged in trading, services, manufacturing, processing, agri-business, fishing and other economic sectors. This includes clients that graduate from the Semi Individual loan product.
#3
Emergency Short-Term Loan
These are loans specifically for emergency purposes and for a short period of time. They Small enterprises engaged in trading, services, manufacturing, processing, fishing and other economic sectors.
#4
Agriculture Loan
Secure the financing you need to plant, grow, and harvest your success. Explore our agriculture loan options today.
6 years in Excellence
Social Impact
Since launching operations in 2019, Harvest Microfinance (HaMFI) has remained committed to driving meaningful change in the lives of underserved communities across Sierra Leone. Despite the economic disruptions caused by the COVID-19 pandemic, HaMFI has demonstrated resilience and continued to grow, proving the strength of our model and mission.
At HaMFI, we believe that microfinance is more than just access to capital; it’s a catalyst for empowerment, dignity, and long-term social progress. As we continue to expand our footprint, we remain focused on transforming lives through inclusive finance and enterprise development.
3,500+
Customers served.
1500
Active customers.
4
Branches and still growing.
84%
Women served
Testimonials
What our Customers Say?
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From the Managing Director
Thanks for visiting our website. We are very excited to hear from you.
