Our financial services

We believe in our clients. That’s why we stand behind them every step of the way, helping to build thriving businesses with tailored financial services from micro-loans and SME loans to current accounts.

Our loans

We provide micro-loans (less than €3,000) to small and micro businesses, with with repayment schedules of under 12 months. For SMEs seeking larger loans (up to €300,000), we offer longer-term loans (up to 60 months).

Taka Credit

Dealing with unforeseen circumstances or looking to seize a new business opportunity? Sometimes financing can’t wait. The TAKA loan is a digital nano-loan unlocked instantly, available to clients who meet rating criteria.


Automatic loan renewals

Thanks to a credit analysis performed by our rating algorithm, Baobab’s best customers benefit from an approved credit renewal in a few hours instead of several days.

Discover other financial services



We offer savings accounts available at any time, various savings plans and a range of term deposits with attractive returns.



We work with local partners to bring clients a full range of payment options including electronic and interbank transfers, payment cards, payment slips, and electronic invoice payments.



The core insurance product offered by the Group’s various subsidiaries protects policy holders and their families in the event of death or disability.

My Baobab

Slick, fresh and fully functional, My Baobab apps allows clients in West Africa to transfer funds to and from their Baobab account, directly from the mobile app. These mobile money services, along with the TAKA loan repayment feature, are available 24/7 and provide the foundation for the many developments to come.

Our Points of Sales


Clients enjoy easy access to Baobab branches for all transactions. Our agencies also operate as bases for our portfolio managers, and provide administrative support to our Baobab points of sales.


Baobab banking agents are part of a network of partner spaces where Baobab clients are free to safely and securely withdraw and deposit cash, make loan repayments, and transfer funds.

Banking agents

The dedicated banking agents are located in semi-rural areas at least 3 km from a Baobab branch. These locations allow clients to carry out fully secure operations thanks to a biometric system.