Terms & Conditions

1. About SeedStone Capital

SeedStone Capital (Pty) Ltd ("we", "us") is a micro-lending institution licensed and regulated by NBFIRA in Botswana. These terms govern your use of this website and your application for a loan product.

2. Loan Products

• Loan amounts: P500 – P50,000, subject to affordability assessment
• Loan terms: 1 – 12 months
• Interest rate: 25% flat for 1-month loans; 20% flat for 2–12 month loans
• Administration fee: 5% of principal (minimum P300, maximum P5,000)
• Instalment-to-income ceiling: 40% of net monthly salary
• Minimum residual income after instalment: P1,500

3. Eligibility

Applicants must be Botswana citizens or permanent residents, aged 18 or above, with verifiable income from employment (permanent or contract) and an active Botswana bank account in their own name. SeedStone Capital reserves the right to decline any application at its sole discretion.

4. Application Process

Submitting an application does not constitute an offer of credit. All applications are subject to assessment by our lending team. You will be notified of the outcome by email. Approved loans will be disbursed to your registered bank account within 1–2 business days of signing the loan agreement.

5. Repayment

Repayments are made monthly on the agreed date via bank debit order or salary deduction. Late or missed payments may attract penalty charges and will be reported to credit bureaus as required by law.

6. Governing Law

These terms are governed by the laws of Botswana. Any disputes shall be subject to the exclusive jurisdiction of the courts of Botswana.

7. Contact

SeedStone Capital (Pty) Ltd · info@seedstone.co.bw