Mikopo
Consumer & Business Loans
Bima
Insurance Solutions
24–72 hrs
Loan approval time
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Financial Services & Investment

Microfinance & Lending
for Lasting Growth

AEL Limited is KAPI Group's financial services platform, focused on microfinance, SME lending, insurance and structured financial solutions. Through AEL, the Group supports access to finance, business growth and risk protection for individuals, SMEs and partners.

Our Services
BOT
Licensed Microfinance Institution
TIRA
Licensed Insurance Agent
24–72h
Loan Approval Time
DSM
Headquartered, Dar es Salaam
Company Overview

Supporting Growth Through Access to Finance

AEL Limited delivers financial services across microfinance, SME lending, insurance and structured products — helping individuals, small businesses and partners access the capital and protection they need to grow sustainably.

  • Employee loans and consumer financing for individuals
  • SME and business loans including contract/invoice financing
  • Consumer asset and housing finance solutions
  • Motor, medical, fire & burglary insurance coverage
  • Goods in transit and contractors all-risk policies
  • Emergency loan facilities with fast-track processing
AEL Finance — Empowering People, Growing Businesses
Financial Services

Financial Services & Insurance

AEL Limited is a Bank of Tanzania licensed microfinance institution and a TIRA licensed insurance agent. Through AEL, the KAPI Group delivers practical financial solutions — from employee and business loans to motor, medical and property insurance — helping individuals, SMEs and communities in Tanzania access the finance and protection they need to thrive.

Learn more about AEL www.ael.co.tz
Strategic Investment: AEL Limited
Strengthening financial inclusion. Building lasting impact.

Building trust.
Enabling growth.
Securing futures.

Solutions that create access, provide protection, and unlock sustainable value for a stronger tomorrow.

Individuals

Empowering people through reliable financial solutions.

Businesses

Strengthening businesses with risk protection and growth opportunities.

Wider Economy

Driving inclusive growth and long-term economic resilience.

Access
Expanding financial access for all.
Protection
Managing risk and protecting what matters.
Sustainable Value
Creating value today that lasts tomorrow.
Services & Products

Loans, Financing & Insurance

Employee Loans

Personal financing for employed individuals from financially stable organisations — fast approval, flexible repayment, and competitive terms tailored to your needs.

Business & SME Loans

Dedicated lending for small and medium enterprises — including business loans, business asset financing, contract/invoice financing, and school development loans.

Consumer Asset & Housing Finance

Vehicle and asset financing for individuals, plus housing finance solutions to help customers acquire and improve their homes at affordable repayment terms.

Motor & Property Insurance

Comprehensive motor vehicle cover, fire & burglary, and contractors all-risk insurance via our partnerships with Jubilee and MUA Insurance.

Medical & Life Insurance

Health and life coverage for individuals and businesses, including medical insurance and travel insurance solutions from our licensed insurance partners.

Emergency & Premium Financing

Fast-track emergency loans for urgent financial needs, plus consumer premium financing — helping customers stay protected even when cash flow is tight.

How It Works

Simple, Fast & Transparent

From application to disbursement — AEL makes accessing finance and insurance straightforward.

01

Apply

Submit your loan or insurance application at our Dar es Salaam office with the required documents. Our team guides you through the right product for your situation.

02

Assessment

We evaluate your credit profile and financial needs. Loan assessments are completed within 24–72 hours; insurance quotations are issued the same day.

03

Approval & Offer

Receive your loan offer or insurance cover note. Insurance cover notes are issued within 1 hour of approval. Loan terms are clear and agreed upfront with no hidden charges.

04

Disbursement

Loan funds are released promptly after signing. Insurance claims are settled within 14 working days. We stay with you through the full lifecycle of your product.

Get Started with AEL

Ready to Access Flexible Finance or Insurance?

Whether you're an individual seeking a loan, an SME looking to grow, or a business needing insurance coverage — AEL Limited is here to support you with fast, transparent, and accessible financial solutions.

All Business Units Visit ael.co.tz