Support Solutions

You need to pay a supplier in advance? Easy solution, Moza solves your problem. The Pledged Current Account facilitates your Company's short term financial management. With the aim to avoid possible liquidity and treasury management problems, you can guarantee the access to Funding only when you need it. Advantages: Ceiling in accordance to the Company's needs; Negotiable and competitive interest rates; The terms, amounts and interest rate are flexible in accordance to the Company's needs. The Credit is easy to use with several movement options available; Available in foreign currency (USD, ZAR and EUR).    

Flexible and ideal solution for your company's specific cash needs. With immediate availability of the amount negotiated, you can use the Authorised Overdraft limit at any time and whenever you need it, through normal use of the Current Account. How does it work? The use of the Authorised Overdraft is made for each payment/overdraft in the associated Current Account, up to the contracted limit.   Benefits Immediate availability of capital; Ease of use and repayment of capital; Negotiable amount, rate and term according to the company's treasury needs. Allows for increases and renewals of the limit, subject to Credit analysis; Available in foreign currency (USD, ZAR and EUR).

For short-term needs, Moza's Discount of Promissory Notes is the ideal solution for your business. It is a Financing supported by a security, valid for a predetermined period and whose main objective is to finance operating expenses or specific treasury requirements.   Benefits: Simplicity and speed in obtaining credit; Maximum negotiable value; Negotiable and competitive interest rates; Flexibility of deadlines, amounts and interest rates according to the needs of the Company.

Moza makes it available to your Company a FECOP Credit Line - a fund whose objective is to support your activity if they have been negatively affected by the COVID-19 pandemic as well as by Idai and Kenneth natural disasters.   With this solution, your Company shall have access to products to support treasury, investment and leasing under subsidized conditions.   Advantages:          Subsidized interest rates          Deadlines and payment of instalments adjusted to your needs          Possibility of grace period

FECOP - FUNDO EMPRESARIAL DE COOPERAÇÃO PORTUGUESA(PORTUGUESE COOPERATION BUSINESS FUND) Through this line, customers can access funds to enable them to recover and/or maintain their business activities as a result of the COVID-19 pandemic (Tranche A) and the disasters of Cyclones Idai and Kenneth (Tranche B). Characteristics: Geographical coverage: Throughout the country; Amounts: Tranche A maximum for investment 25,012,104 MZN and Tranche B maximum for treasury support 3,433,450 MZN. Term: Minimum of 6 months; Maximum of 60 months. Associated products: Investment credit, secured current account and discounted promissory notes; Affected sectors: All.   FSA-FUNDO DE SEGURANÇA ALIMENTAR Product associated with the Kuwait Fund for Economic Development, which aims to finance Micro, small and medium-sized Agribusiness projects. Features: Geographical coverage: Throughout the country; Amounts: Minimum of 240,000 MZN and maximum of 2,500,000 MZN. The identified Amount is the maximum amount financed per borrower or economic group. Term: Minimum of 6 months; Maximum of 60 months. Associated products: All Sectors: Agribusiness;   AGF-AFRICAN GUARANTEE FUND Line designed to support projects developed by Small and Medium Mozambican Enterprises operating in the various Sectors of economic activity, through risk sharing with Moza Banco. Characteristics: Geographical Coverage: Throughout the country; Amounts: Up to an equivalent amount in meticais of USD 1,250,000; The identified amount is the maximum amount financed per borrower or economic group. Term: Minimum of 6 months; Maximum of 60 months. Associated products: Medium and long-term financing (rental or general credit) Equipment leasing and vehicle leasing.   AGRO GARANTE FUND The Fundo Agro Garante credit line consists of providing a financial guarantee to support projects developed by Individual farmers, Small and Medium Enterprises, Micro-enterprises, and Associations/Cooperatives, through risk sharing with Moza. Characteristics: Geographical Coverage: Throughout the country; Amounts: Minimum of 500,000 MZN and maximum of 12,000,000 MZN. Note: Credit operations of 12.000.000 MZN or more are subject to additional eligibility criteria. Term: Minimum of 6 months; Maximum of 36 months. Associated products: Mid/Long-term financing (rental credit or general credit), Equipment leasing and vehicle leasing Sectors: Agribusiness;   SUSTENTA CREDIT LINE Credit line associated with the Sustenta initiative of the National Fund for Sustainable Development (FNDS), which aims to finance individuals and companies that have their projects approved within the scope of the implementation of the Sustenta Programme. Characteristics: Geographical Coverage: Throughout the country; Types: Grant, loan, and Grant+Loan; Amounts: Minimum 1,500,000 MZN and maximum 75,000,000 MZN. Term: Treasury support: Minimum of 3 months and maximum of 12 months; Investment support: Minimum of 12 meses and Maximum of 60 months. 12-month grace period; Associated products: Investment lending.   USAID Credit line for financing private companies operating in the Agribusiness value chain, through risk sharing with Moza Banco. Geographical Coverage: Throughout the country; Amounts: Maximum of USD 12,000,000 for an equivalent amount in MZN. Note: Credit operations of 12.000.000 MZN or more are subject to additional eligibility criteria. Term: Minimum of 6 months; Maximum of 96 months; It allows for a grace period of 12 months. Associated products: Pledged Current Account, Discounted Promissory Notes, rental credit or general credit, securities leasing, and vehicle leasing. Sectors: All in the Agribusiness sector. NB: All transactions must be due by 2028.