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By Cool Enterprises Limited
Finance
Planning
Growth
We believe small business matter too
We aim at providing entrepreneurs with unique, people oriented, technology driven, value added products and services.
Finance
Planning
Growth
We believe small business matter too
We aim at providing entrepreneurs with unique, people oriented, technology driven, value added products and services delivered by a well-trained and motivated workforce in a sustainable and profitable manner for the economic benefit of our stakeholders.

Dream Financial Services Limited Company is a new Micro Finance Institution. It offers a broad range of financial services to micro, small and medium-sized enterprises, and various low-income earners as individuals, businesses, and groups like cooperatives.

Dream Financial Services Limited Company is fully committed to provide various saving deposits for all levels of customers. It is a limited liability company duly incorporated in Malawi under the 2017 Companies Act and is regulated by the Reserve Bank of Malawi

Dream Financial Services.

To provide entrepreneurs with unique, people-oriented, technology-driven, value-added products and services delivered by a well-trained and motivated workforce in a sustainable and profitable manner for the economic benefit of our stakeholders.

Our Mission.

Encourage among the un banked productive citizens of the country. To make credit facilities more accessible to micro-entrepreneurs engaged in real sector activities at an attractive interest rate and in a sustainable manner. Improve the business and financial skills of micro-entrepreneurs through capacity building and training.

Our Objectives.
WE HAVE YOU COVERED.
SERVICES WE PROVIDE
We aim at providing entrepreneurs with unique, people oriented, technology driven, value added products and services delivered by a well-trained and motivated workforce in a sustainable and profitable manner for the economic benefit of our stakeholders.
SAVINGS PRODUCTS
SAVINGS ACCOUNT
PRODUCT TARGET
For individuals who want to save eventualities/future use.
PRODUCT FEATURES
  • Minimum Balance MWK1,000.
  • Interest rate at 4% per annul. Subject to review
BENEFITS TO CUSTOMERS
  • Relatively low minimum balance.
  • No monthly charges
ACCOUNT OPENING REQUIREMENTS
  • Account opening forms
  • Kyc documentation as advised by the bank
SAVER PLUS ACCOUNT
PRODUCT TARGET
Salaries or employed individuals or individuals who own a business.
PRODUCT FEATURES
  • Minimum Balance MWK3,000.
  • Interest rate at 5% per annul. Subject to review
BENEFITS TO CUSTOMERS
  • Relatively low minimum balance.
  • Can be used as security for borrowing.
  • No monthly charges
ACCOUNT OPENING REQUIREMENTS
  • Account opening forms
  • Kyc documentation as advised by the bank
FIXED TERM DEPOSIT
PRODUCT TARGET
For customers with excess funds who intend to commit to an investment for a fixed period of time.
PRODUCT FEATURES
  • Minimum Balance of MWK50,000.
  • Predetermined fixed period
  • Interest is paid on expiry of each contractual period.
BENEFITS TO CUSTOMERS
  • No bank charges.
  • Can be used as security for borrowing
  • Relatively high interest rate
  • Very low risk.
ACCOUNT OPENING REQUIREMENTS
  • Account opening forms
  • Kyc documentation as advised by the bank
STUDENT ACCOUNT
PRODUCT TARGET
For students aged least 18 years.
PRODUCT FEATURES
  • Minimum Balance of MWK1,000.
  • Interest is at 4% per annul. Subject to review
BENEFITS TO CUSTOMERS
  • No service fees on personal accounts.
ACCOUNT OPENING REQUIREMENTS
  • Account opening forms
  • Opened using student ids from a recognized institution of higher education
  • Signature specimen/thumbprint
  • Utility bills
  • Reference letter from the school
LOAN SERVICES
We get you covered