Loan Solutions
Access the funds you need with our flexible loan options designed for individuals and businesses of all sizes.
Apply for a Loan
Why Choose Our Loans
Quick Approval
Our streamlined application process ensures you get the funds you need when you need them, with same-day approvals available.
Competitive Rates
We offer some of the most competitive interest rates in the market, helping you save money over the life of your loan.
Flexible Terms
Our loan terms are designed to fit your financial situation, with options for repayment schedules that work for you.
Our Loan Products
Microcredit
Small loans with flexible terms for entrepreneurs and small businesses.
Key Features:
- Minimal documentation required
- Flexible repayment options
- No collateral for loans up to LKR 500,000
- Business mentoring support
- Option to increase credit limit after 6 months
SME Loans
Medium-sized loans for established businesses looking to expand.
Key Features:
- Competitive interest rates
- Flexible tenure options (1-5 years)
- Partial collateral requirements
- Business growth advisory services
- Option for seasonal repayment schedules
Emergency Funds
Quick access to funds for unexpected expenses and emergencies.
Key Features:
- Rapid approval process
- Minimal documentation
- Flexible repayment terms
- No prepayment penalties
- Available to existing customers with good credit history
Loan Calculator
Calculate Your Loan
Use our calculator to estimate your monthly payments and see how much you can borrow.
Your Estimated Payment
This is an estimate. Final terms may vary based on your credit profile.
Application Process
Submit Application
Complete our simple online application form or visit one of our branches. You'll need to provide basic personal information, income details, and the purpose of the loan.
Document Verification
Submit the required documents for verification. This typically includes ID proof, address proof, income verification, and any collateral documentation if applicable.
Loan Assessment
Our team will assess your application based on your credit history, income, and loan requirements. For business loans, we'll also evaluate your business plan and financials.
Approval & Disbursement
Once approved, you'll receive a loan offer with the terms and conditions. After accepting the offer and signing the agreement, the funds will be disbursed to your account.
Required Documents
For Individual Loans
- National ID Card or Passport
- Proof of address (utility bill or bank statement)
- Income verification (salary slips or tax returns)
- Bank statements for the last 3 months
- Collateral documents (if applicable)
For Business Loans
- Business registration certificate
- Business plan or project proposal
- Financial statements for the last 2 years
- Tax returns and clearance certificate
- Bank statements for the last 6 months
- Collateral documents and valuation reports
Success Stories
Kumara Perera
Small Business Owner
"I needed funds to expand my grocery store, and JInvest approved my SME loan in just 3 days. The process was smooth, and their team helped me with all the paperwork. My business has grown by 40% since the expansion."
Samantha Silva
Freelancer
"As a freelancer, I often face unexpected expenses. JInvest's emergency fund loan was a lifesaver. I got the funds I needed within hours, and the repayment terms were very manageable. Highly recommend their services!"