Malawi’s leading
specialist bank
Corporate banking
Corporate
banking
At CDH Investment Bank, we offer customized corporate banking solutions designed to support your strategic goals. From efficient cash flow management to tailored financing, our expert teams are here to help your business grow with confidence
Our premium current account is designed to meet the sophisticated needs of both personal and corporate clients seeking seamless banking experience with exclusive features and benefits.
Features:
- Minimum opening deposit: K1,000,000.00
- Minimum account Balance: K50,000.00
- Interest-earning balance: K500,000.00
- Monthly ledger fees and interest rates as detailed in CDH Investment Bank’s tariff schedule
Benefits:
- Complimentary cheque book for efficient transactions (till end December 2025)
- Integration with electronic banking channels for convenient access
- Ability to set up standing orders and stop payments for streamlined cash flow management
- Access to overdraft facilities, subject to credit approval, to support your financial flexibility
Experience the epitome of premium banking with tailored current account services which empower
your financial goals
Experience the ultimate flexibility with our premium call account. This exclusive investment solution is designed to provide you immediate access to your funds.
Features:
- Exclusive account opening and minimum deposit: K1,000,000.00
- Enjoy fee-free transactions and account maintenance
- Enjoy seamless integration to any transactional account for effortless fund management
Benefits:
- Instant liquidity to access your funds on demand without prior notice
- Competitive interest rates based on deposit size and terms
- Flexible transactions allowing multiple deposits and withdrawals for maximum convenience
- Monthly interest payments to enhance your cash flow
Elevate your financial strategy with our premium call account
Our FCDA offers you the flexibility to hold and manage funds in a currency other than the local Malawian Kwacha, providing a seamless international banking experience. The operation of such an account is subject to Exchange Control Guidelines of the Reserve Bank of Malawi for security and compliance
Features:
- Competitive minimum opening balance: USD 1,000.00
- Sustained account balance requirement: USD 1,000.00
- Flexible interest rates: Negotiable fixed deposit rates tailored to your investment needs
Benefits:
- Safeguard your investments from volatile exchange rate movements
- Execute direct foreign currency transactions with ease
- Diversify your portfolio with an alternative investment avenue
Experience the benefits of international banking with our personalised FCDA designed to meet your
global financial needs with convenience
Our NGO Foreign Currency Denominated Account (FCDA) is a customized banking solution designed specifically for NGOs and organizations with foreign currency income. This account offers competitive rates and flexible features tailored to meet your organization’s unique international financial needs.
Features:
- No minimum balance requirement, offering flexibility to your organization
- Negotiable interest rates to suit your financial strategy
- Withdrawals in local currency via your Malawi Kwacha operating account
- Ability to pay foreign bills directly from the FCDA account
- Waivers on certain charges based on your annual account turnover
Account opening requirements:
- Completed account opening forms
- KYC documentation as specified by the bank
- A Malawi Kwacha operating account
- Compliance with RBM Exchange Control Regulations
Who we serve:
- NGOs earning in foreign currencies (both local and international)
- Embassies and diplomatic missions
- Multinational corporations
- Development agencies such as USAID, World Bank, AFDB, IDA
- Any entity with foreign currency inflows, excluding exporters
Benefits:
- Negotiate exchange rates at the time of currency conversion for better value
- Predetermine charges for transparency and cost management
- Hedge against exchange rate fluctuations
- Make foreign payments directly from your account
- Hold funds in foreign currencies and convert when market conditions are favorable
- Access flexible, competitive interest rates for potential investments
This account is ideal for non-governmental organizations seeking efficient management of foreign currency transactions, enhanced financial control, and the ability to capitalize on favorable exchange rates, all while ensuring compliance with local regulations.
Corporate and SME lending
Loans and advances
We provide loans and advances tailored to meet the needs of corporates, high-net-worth individuals, medium enterprises and corporates who require short term and medium term finance.
Who we serve
- Corporate and SME entities with justified short-term financing needs
- Businesses requiring flexible overdraft facilities to support daily operations
- Organizations seeking a reliable credit line for working capital management
Key requirements
Benefits
Empower your business with our tailor-made overdraft solution which adapts to your operational needs, ensuring you have the liquidity to seize opportunities and manage challenges effectively.
Asset financing
We provide asset financing solutions to fund acquisition of business assets. Our customers enjoy use of the assets at flexible terms.
Features
- Qualifying assets such as machinery, construction and farm equipment, vehicles, and other movable assets
- Flexible terms from medium-term, long-term, or short-term financing options tailored to your needs
- Maximum duration of up to 60 months repayment period
- Multiple repayment structures are designed to suit your cash flow and budget.
Benefits
Empower your business to grow and modernize by leveraging our Asset Financing solutions which are designed to support your strategic asset acquisitions with flexible, reliable funding options.
Short-term loan facilities
We provide short-term loan facility provides businesses with flexible access to funds to cover daily operational expenses and short-term financial needs, typically with repayment periods of less than 12 months. Designed for agility, this product ensures your business can maintain smooth operations and respond quickly to changing cash flow requirements.
Features
- Repayments are structured within a year, helping you manage cash flow efficiently
- Our flexible solution is crafted to accommodate fluctuating cash flow needs, offering adaptable financing solutions
- Convenience to access and utilize, providing quick availability of funds whenever required.
Benefits
Empower your business with our Short-Term Working Capital solution which is designed to keep your operations running smoothly and support your growth initiatives
Medium-term loans
We provide medium-term loans to finance your company’s everyday operational needs. Borrowers can access funds up to an approved limit, giving you the flexibility to manage cash flow, cover short- term expenses, and seize growth opportunities. The repayment period can be stretched up to 36 months, with customizable repayment options.
Features
- Maximum term: 36 months
- Flexible repayment options: Choose from monthly, quarterly, semi-annual, or annual installments to suit your cash flow
- Borrow up to your approved limit whenever needed
- A principal moratorium can be considered on a case-by-case basis to ease repayment during specific periods
- You are free to make early repayments at any time without penalties
Benefits
Empower your business with our Working Capital Loan – a dependable financial solution designed to support your ongoing success and growth
SME business loans
Empower your Small and Medium business to grow with our tailored loans offer for up to 36 months with customizable repayment plans-monthly, quarterly, semi-annual, or annual.
Benefits
- Enhanced liquidity helping you maintain cash flow to meet short-term needs
- Operational continuity to cover daily expenses smoothly
- Quick access to funds when you need them to seize opportunities or handle challenges
- Flexible terms with moratorium on principal (case-by-case) and early repayment options
- Competitive rates for cost-effective financing to support your growth
Fuel your business success with our SME Loan, designed for agility and growth
Cash covered loan
Our cash covered (collateral) loan enables you to secure a loan or credit line by pledging cash or cash equivalents as collateral. This flexible facility offers quick access to funds, tailored repayment terms, and competitive rates to suit your financial needs.
Features
- No maximum limit allowing you to borrow amounts based on your collateral and requirements
- Repayment period of up to 12 months
- Interest rates negotiated directly for competitive and favorable terms
- Fast processing of loans
Benefits
Use your cash or cash equivalents to unlock immediate funding with a streamlined process designed for your convenience
Commodity finance facilities
Our commodity finance facility is a specialized trade finance solution which supports the entire lifecycle of commodity trading, from production and transportation to sale. It is primarily tailored for agricultural and other commodity-based businesses, it helps manage risks, optimize cash flow, and ensure smooth operations across the commodity value chain.
Features
- The commodities themselves act as collateral, simplifying security arrangements
- Our self-liquidating solution helps funds to be repaid as the commodities are sold or released, ensuring a natural repayment cycle
- Commodities are held under collateral with professional stock management to safeguard assets
Benefits
Leverage our Commodity Finance Facility to streamline your trading activities, mitigate risks, and unlock new growth opportunities in the commodity markets
Foreign currency export loans
We provide Foreign Currency Export Loans designed to support you in purchasing commodities locally and exporting them seamlessly. Borrowing in a foreign currency helps you hedge against exchange rate volatility and devaluation, giving you added security and confidence in your international trade.
Features
- A tailor-made solution specifically crafted for our valued export clients to fuel your growth
- Flexible repayment options to fit your cash flow
- A moratorium on principal repayment may be considered, easing your initial financial commitments
Benefits
Partner with us to empower your exports – because your global ambitions deserve tailored financial solutions
Cash flow, liquidity support and bank guarantees
Bid guarantee
Our bid guarantee provides you with financial assurance to enhance your credibility and increasing your chances of winning contracts. Quick and reliable, it helps you submit competitive bids without tying up your cash flow, helping you to secure your bids with confidence.
Features:
- Fast approval process
- Customizable coverage amounts
- Valid for the bidding period
Benefits:
- Boosts credibility: Demonstrate financial stability to project owners
- Enhances competitiveness: Submit bids with confidence
- Preserves cash flow: No need to tie up funds upfront
- Mitigates risk: Protects against bid cancellations or defaults
Win more projects with our reliable Bid Guarantee – your partner in competitive bidding.
Advance payment guarantee
We provide advance payment guarantee ensuring the return of advance payments if the supplier fails to meet contractual obligations. It enhances trust and project security.
Features:
- Coverage amount aligned with contract terms
- Repayment period as specified in the contract
Benefits:
- Boosts contractor cash flow and project delivery speed
- Safeguards buyer’s advance payments against default
- Strengthens supplier-buyer relationships through commitment
- Reduces risk of financial loss from non-performance
- Enables suppliers to access upfront funding for initial project costs
Secure your projects with confidence through our Advance Payment Guarantee – partnering your growth and security.
Performance guarantee
We provide performance guarantees which assures you, the client, that the contractor will deliver work or services on time and to the agreed standards.
Features:
- Requires a signed contract
- We commit to ensuring the contractor meets their obligations
Benefits:
- Ensures quality and compliance with contract specifications
- Builds trust by replacing cash deposits, freeing up capital
- Lowers contractors’ financing costs by reducing borrowing needs
Rely on our performance guarantee for confidence and smoother project execution
Retention guarantee
A retention guarantee acts as a substitute for withholding part of the payment, ensuring your contractor or supplier fulfills their contractual obligations after full payment.
Features:
- Amount aligned with contract terms
- Repayment schedule as specified
Benefits:
- Provides project owner confidence like traditional retention
- Frees up the contractor’s cash flow for smoother project progress
Secure your project commitments efficiently with our retention guarantee.
Payment guarantee
Our bank payment guarantee is a commitment by the bank to pay the beneficiary if a party fails to fulfill their payment obligations, ensuring your commitments are protected.
Features:
- Amount based on contract terms
- Repayment schedule aligned with contract conditions
Benefits:
- Enhances your reputation for reliable payments
- Improves cash flow by enabling credit terms, allowing you to trade and collect payments sooner
Secure your business transactions with our Bank Guarantee – building trust and financial flexibility.
