Responsible Lending

Our Commitment

SeedStone Capital is committed to lending responsibly. We will only approve a loan when we are satisfied that you can afford to repay it without undue hardship. We comply with the Non-Bank Financial Institutions Act and NBFIRA guidelines on responsible lending.

Affordability Assessment

Every application undergoes an affordability check before approval. We verify that:

• Your monthly instalment does not exceed 40% of your net monthly income
• You retain at least P1,500 after the instalment for living expenses
• The loan amount does not exceed 3× your monthly net salary
• Any existing deductions are factored into the calculation

Total Cost of Credit

We disclose the full cost of your loan before you sign any agreement, including:

• Total interest payable (flat rate applied to the original principal)
• Administration fee (5% of principal, min P300 / max P5,000)
• Total amount repayable
• Monthly instalment amount

There are no hidden fees. The figures shown in your application summary are the figures on your loan agreement.

If You Are Struggling to Repay

If you experience financial difficulty, contact us immediately at info@seedstone.co.bw. We will work with you to find a solution. Early communication is always better than missing a payment without notice.

Complaints

If you are unsatisfied with our service, you may lodge a complaint with us in writing or contact NBFIRA directly at www.nbfira.org.bw.