flexible products & services

instant loans
These are term loans offered to permanent employees of Government ministries, departments and agencies.




Terms and eligibility

Tenure
one (1) month to forty eight (48)months
Pricing  
Competitive interest rates and fees
Eligibility
All permanent government employees
Requirements              
Latest payslip

Get Application FormSubmit Form
Smart loans
This is an employer supported loan scheme tailored to meet personal expenses for full time employees of reputable companies. The scheme is administered subject to a written undertaking by the company otherwise known as the employer, that guarantees direct payroll deduction for the monthly loan repayments.
Terms and eligibility

Tenure
one (1) month to forty eight (48)months
Pricing  
Competitive interest rates and fees
Eligibility
All permanent  employees working for companies approved by FFS
Requirements              
Latest payslip

Get Application FormSubmit Form
Invoice DISCOUNT FACILITY
Our Invoice Discounting facility is aimed at suppliers/contractors of large corporates domiciled within Malawi. The product allows suppliers and contractors to have access to loans against unpaid invoices. The product also provides cash flow relief to large corporates on payments to suppliers/contractors.
Terms and eligibility

Tenure
90 Days
Pricing  
Competitive interest rates and fees
Eligibility
All suppliers and contractors with outstanding invoices from reputable institution approved by FFS
Requirements              
Invoice not more than 90 days old Assignment of invoice proceeds

Get Application FormSubmit Form

Welcome to Flexible Financial Services

Discover tailor-made financial solutions for salaries employees, Micro, Small, and Medium Enterprises (MSMEs). Make Flexible Financial Services Ltd your home for your financial needs. We are your trusted partner for financial emergencies and business funding gaps.

Unlock Opportunities

At Flexible Financial Services Ltd, we believe that every business deserves a chance to thrive and that every household needs financial stability Explore our range of financial products and services designed to fuel your business growth and joy for your families. Forget school fees and medical bills headaches with Flexible Financial Services Ltd.

Your Financial Journey Starts Here

Whether you need capital to boost your business, money to pay medical bills, pay school fees, go on vacation, discounting your invoices, look no further than Flexible Financial Services Ltd. At FFS, we have the expertise and resources to support your unique financial needs.

Empowering Dreams

Join the countless salaried employees and entrepreneurs who want to realize their dreams with smart finance options available at FFS. Our excellent customer service officers will offer an unwavering support until your financial dreams are fulfilled.

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contact Information

The Ginnery Mall
Ginnery Corner
P.O. Box 31734
Chichiri
Blantyre 3

feedback and customer service

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