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Capital for
every ambition

GuzaSico delivers fast, fair, and fully digital lending — from personal finance to enterprise growth. AI-powered decisions. Zero hidden fees. Real human support.

72hr
Processing Time
24hr
Avg Funding
Business Loans
Up to 50M RWF · 36 months
14%
Education Loans
Deferred repayment
10%
Emergency Loans
Same-day disbursement
Fast
Why GuzaSico

Credit built on

"We believe access to fair credit should never be a privilege — it should be a right for every Rwandan."
AI-Powered Decisions
Smart credit scoring delivers your answer in under 2 hours.
Flexible Repayment
Weekly, monthly, or seasonal plans. No prepayment penalties.
Bank-Grade Security
256-bit SSL, full Rwanda data compliance.
Human Support 24/7
Real advisors available around the clock.
The Process

Four steps to
your funding

Step 01
Apply Online
Complete our 3-minute application from any device.
Step 02
Submit Docs
Upload your national ID and bank statements securely.
Step 03
Application review
Our engine evaluates your profile and delivers approved terms.
Step 04
Get Funded
Funds arrive in your bank or mobile wallet within 24 hours.

Loan Calculator

12 mo
Example: 1.5% monthly = ~18% APR
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—
RWF / month
Loan Calculator

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repayment

Calculate based on monthly interest rate. Real-time, no obligation.

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No prepayment penalties
Ready to Begin

Grow with
GuzaSico today

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Our Story

About GuzaSico

A licensed digital lending institution transforming access to credit across Rwanda.

Founded in Kigali, GuzaSico — owned by Shema Investment Company Ltd — was built to make fair credit accessible to every Rwandan.

Our Vision

To become a leading and trusted financial services provider in Rwanda, empowering individuals and small businesses through inclusive, innovative, and sustainable financial solutions.

"Kuba ikigo cy'indashyikirwa kandi cyizewe mu gutanga serivisi z'imari mu Rwanda, gifasha abaturage n'abacuruzi bato kwiteza imbere binyuze mu serivisi z'imari zorohereza buri wese kandi zihuse."

Our Mission

To responsibly provide accessible and affordable credit services to individuals, fostering financial inclusion and economic empowerment, while maintaining transparency, ethical standards, and compliance with national regulations.

"Gutanga serivisi z'inguzanyo zoroshye kandi ziboneye ku baturage mu buryo buboneye, hagamijwe guteza imbere gushyigikirana mu by'imari no kongera ubushobozi bw'ubukungu, hubahirizwa ukuri, ubunyamwuga n'amategeko y'igihugu."

Core Values

Integrity • Customer Focus • Transparency • Financial Inclusion • Innovation • Accountability • Sustainability

Ubunyangamugayo • Kwita ku Mukiliya • Gukorera mu mucyo • Gushyigikira urubyiruko n'abagore • Udushya • Kubazwa inshingano • Kuramba

Shema Investment Company Ltd

Proud owner of Guza Sico — committed to elevating financial accessibility across Rwanda with integrity and innovation.

Our Foundation

Core Values in Practice

Integrity (Ubunyangamugayo)

Dukora ibikorwa byose mu kuri, twubahiriza amahame y'ubunyangamugayo no kwizerwa.

Customer Focus (Kwita ku Mukiliya)

Dushyira imbere ibyifuzo n'inyungu z'abakiriya bacu, tubaha serivisi zihuse kandi ziboneye.

Transparency (Gukorera mu mucyo)

Dukorera mu mucyo mu byemezo byose n'imikoranire n'abakiriya.

Financial Inclusion

Twiyemeje gufasha no gushyigikira cyane cyane urubyiruko n'abagore kubona inguzanyo no kwiteza imbere.

Innovation (Udushya)

Dukoresha uburyo bushya n'ikoranabuhanga mu gutanga serivisi zorohereza abakiriya.

Accountability (Kubazwa inshingano)

Dushyira imbere inshingano no kubazwa ibyo dukora mu nyungu z'ikigo n'abakiriya.

Sustainability (Kuramba)

Dushyigikira imishinga tugamije ko iramba kandi ikagira uruhare mu iterambere rirambye ry'igihugu.

Our Products

Lending Services

Six purpose-built loan products covering every dimension of your financial life.

Business Loans
Working capital up to 50M RWF. Tailored terms for SMEs.
Up to 50M RWF
Personal Loans
Medical bills, travel, salary advance. No collateral required.
From 12% p.a.
Education Loans
Tuition financing with deferred repayment options.
From 10% p.a.
Agri-Loans
Seasonal farming credit aligned to harvest schedules.
Harvest-Aligned
Auto Loans
New or used vehicle financing at competitive rates.
From 13% p.a.
Emergency Loans
Same-day funding for medical emergencies and urgent needs.
Same-Day
Get in Touch

Contact Our Team

Whether you have questions or are ready to apply — we're here.

We're in Bugesera — and at your fingertips.

Head Office
KG 541 St, Kigali Heights, Kigali, Rwanda
Phone
+250 789 585 4635
Email
hello@guzasico.rw
Office Hours
Mon – Fri: 8:00 AM – 6:00 PM

Send us a message