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Who is 3ANUTA?
3ANUTA is a Micro-finance company operating across three main pillars: | Revolving Credit Line: A credit limit on 3ANUTA app, allowing retailers to purchase products from suppliers on our marketplace or direct payment to suppliers with total goods amount.. | Assets Financing: : Financing assets (motorcycles, tricycles, Equipments, etc.) | Microfinance Loans: Financing all micro-businesses for a variety of business purposes.
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In which governorates is 3ANUTA available?
Currently in Cairo, Giza, Qalyubia, Alexandria, Minya, Sharqia, Daqahlia, Behira — and expanding soon to most governorates across Egypt.
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Where are 3ANUTA branches located?
For all branches locations, please contact our customer service “15934”
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Do I need to have a business?
Yes. You must have a business, and financing must be used strictly for commercial purposes.
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How can I apply?
Through 3ANUTA mobile app, Online forms & Via hotline 15934
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What documents are required?
Documents may vary according to the loan amount & product Following are the main needed documents: Valid client ID, Valid guarantor ID (if applicable), Utility bill (no older than 6 months), Commercial register and tax card (for loans above EGP 100,000), Business license (for medical activities, restaurants, etc.)
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How do I download the app?
https://play.google.com/store/apps/details?id=com.creditor.anuta.retailer
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What are the lending rates?
Interest rates may vary according to the loan amount & product; please contact 15934 for more information or visit one of our branches
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What are the administrative fees?
Admin fees may vary according to the product, please contact 15934 for more information or visit one of our branches
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Are there any additional fees?
No.
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What is the maximum loan amount?
EGP 292,000 “As per FRA regulations”
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Is a guarantor required?
Depends on the financing tier & product.
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Are there other guarantees required?
Yes — a bank or postal check, depending on the financing tier & product.
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What are the repayment tenors?
For the Revolving Credit Line: Up to 3 months & for other financing products: up to 36 months
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How are installments paid?
Through multiple E-payment channels: Fawry, Aman, Khales, Basata, OPAY, Maxab, Ahly Tamkeen, Momken, Kashkool, Banque Misr Wallet, Vodafone Cash, Orange Money, Etisalat Wallet, or InstaPay (with proof of transfer shared with the agent).
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What products can I order through the marketplace?
All products are available (For example: FMCG, Motorcycles, Tricycles, Clothes, Equipment, and other products).
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What happens after I apply?
You will be contacted, and the required steps will be explained.
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When and how do I receive my product (for assets financing)?
Delivery is arranged with the distributor or supplier.
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When and how do I receive funds (for revolving credit)?
3ANUTA provides clients with an in-app credit limit that enables them to purchase from any supplier without needing upfront cash. Once a purchase is made, 3ANUTA pays the supplier directly on behalf of the client, ensuring fast order fulfillment and seamless access to goods and services.
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When and how do I receive funds (for microfinance)?
Via postal transfer, bank transfer, or your e-wallet.
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What makes 3ANUTA different from others?
Exclusive Revolving Credit Line, Unique variety of products available through the marketplace, also 3ANUTA is among the lowest loan fees in Egypt’s microfinance industry.
FAQs
