PATHWAY 05
Kingdom Business
For business owners and entrepreneurs: save through a business account and access capital on member terms.
What the pathway gives you
- A business account inside HMC, separate from your personal savings.
- Access to cooperative capital instead of open-market lending rates.
- Loans of up to 3× your savings after three months of consistent saving.
- The same 1.5% monthly reducing-balance interest as every other member loan, with no monitoring or administration fees.
- A community of members and committees invested in the enterprise succeeding.
Getting started
- 01Register the business accountComplete the business account registration form.
- 02Save consistently for at least three monthsConsistency is what establishes loan eligibility.
- 03Apply for capitalSubmit the loan application with two guarantors and a 3-month bank statement showing cash flows.
- 04Receive a decision in 5 working daysTurnaround is five working days once all documents are in.
Loan terms in full
Business capital is issued under the HMC ordinary loan terms. Amounts, fees, guarantor rules, and documentation are set out on the Loans & Credit page.
Arise. Build. Own. Grow.
Join the structure, save consistently, buy shares, and participate in the opportunities that create long-term impact.