Transparent loans. Fixed rates.
No surprises.
SeedStone Capital offers honest, fixed-rate personal loans in Botswana. Know your exact monthly repayment before you sign — calculated in seconds.
Three Steps to Your Loan
From application to funds in your account — our process is designed to be fast, transparent, and honest.
Apply
Complete our secure online application in under 10 minutes. Prepare your ID, payslip, and 3 months' bank statements.
Assessment
Our team verifies your income and runs an affordability check. We aim to complete assessments within 1 business day.
Receive Funds
On approval, funds are disbursed directly to your bank account. Monthly instalments are collected via debit order.
Two Clear Rate Structures
No variable rates. No hidden fees. Two straightforward flat-rate options based on your loan term.
Short-Term Bridging
flat monthly interest
1-Month Loans OnlyExtended Comfort
flat monthly interest
2 – 12 Month LoansReady to see your numbers?
Use our calculator to get a fully itemised repayment estimate based on your salary and preferred term — in under 30 seconds.
Go to CalculatorAsk Us on WhatsAppLending Criteria
- ✓ Min. loan P500
- ✓ Max: 50% salary × months
- ✓ Max term: 12 months
- ✓ Age: 18 – 65 years
- ✓ One active loan at a time
Know Your Numbers First
Enter your take-home salary to instantly see loan options you may qualify for, with full repayment breakdowns.
Eligibility Assessment
Enter your take-home pay to see your options
This calculator does not store your data. All inputs are processed locally.
Enter your salary and click calculate to see your personalised loan options.
Two Ways to Apply
Choose the method that works for you. Both routes lead to the same fast, personal service.
Chat on WhatsApp
Talk directly with a SeedStone adviser. Send your calculator results, ask questions, and get a personal response — usually within a few hours during business hours.
Online Application
Complete the full loan application securely online. Provide your details, upload documents, and submit — our team reviews within one business day.
Already applied? Track your application status →
Does Your Job Really Protect You?
Beyond a loan, your income and family need long-term protection. The Mmereki Group Insurance Scheme — administered by Seedstone Capital and underwritten by Old Mutual Life Botswana — offers comprehensive cover in your own name.
- Life Assurance & Funeral Cover
- Income Protection & Serious Illness Cover
- Loan Protection — your debt stays yours, not your family's
- Cover stays with you when you change jobs
Find Your Cover
Answer 6 short questions and receive a personalised insurance recommendation in under 2 minutes.
Free, no obligation. Takes under 2 minutes.