Our Mission
Our mission is to provide responsible, reliable and convenient financial solutions that enable individuals and businesses to pursue opportunities, meet financial needs and achieve sustainable growth.
Accessible. Responsible. Digital.
ONCA Capital Microbanco S.A. is a Mozambican financial services company headquartered in Maputo, focused on delivering accessible, responsible and technology-enabled credit solutions. We combine financial expertise, digital innovation and customer-focused service to make access to finance simpler, faster and more convenient.
Our ambition is to build a trusted financial institution that supports individuals, entrepreneurs and businesses while contributing to greater financial inclusion and sustainable economic growth across Mozambique.
Our Principles
Our Principles
Our Vision
Our vision is to become one of Mozambique's most trusted and innovative providers of accessible credit solutions — recognised for integrity, security, customer service, innovation and responsible finance.
Our Values
- Integrity
- Customer Focus
- Responsibility
- Innovation
- Excellence
- Inclusion
Our Values in Action
Our Values in Action
Integrity & Responsibility
We conduct our business responsibly, ethically and transparently. Access to credit should be supported by sound lending practices and careful affordability assessment.
Customer Focus & Innovation
We place customers at the centre of how we design and deliver our services. We use technology to simplify financial services and improve accessibility.
Excellence & Inclusion
We hold ourselves to high standards of professionalism, service and performance. More individuals and businesses should have the opportunity to participate in the formal financial system.
Who We Serve
About Us
ONCA Capital provides responsible and accessible financial solutions to eligible individuals and businesses across key sectors of the Mozambican economy. Our tailored credit solutions support salaried employees, women and young entrepreneurs, underserved customers, and those with short-term financial needs. Each application is individually assessed based on eligibility, affordability, credit policies, and applicable regulatory requirements.
