BDQ Microcredito review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
BDQ Microcredito covers personal, business, debt consolidation and BNPL borrowing with fixed rate pricing as a direct lender. It suits individuals seeking personal borrowing and companies seeking business funds who want clear eligibility paperwork and email and phone support before deciding.
Key facts
- Best for
- Borrowers seeking personal, business and consolidation borrowing
- APR
- 17% to 35%↗
- Funding time
- Within 24 hours of applying↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Eligibility
- Individuals: application letter, ID card (BI), NUIT, bank statement of the last 3 months, proof of residence, proof of income and a pre-dated cheque to BDQ Microcredito. Companies: licence or alvara, economic activity declaration, signatories' documents, financial report for the last 2 years and a pre-dated cheque. No age rule stated.↗
- Loan types
- Personal, Business, Debt-consolidation, BNPL↗
- Legal entity
- BDQ Holdings, SA↗
- Headquarters
- Mozambique↗
- Founded
- 2003↗
- Support channels
- Email, Phone↗
- Pricing model
- Fixed rate
- Official website
- bdqholdings.co.mz
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Elsewhere
Pros
Pros
- Covers personal, business, debt consolidation and BNPL borrowing in one place.
- Provides email and phone contact routes for questions around eligibility.
Who it suits
- Individuals seeking personal borrowing clarity
- Companies seeking business borrowing clarity
How BDQ Microcredito compares
Where BDQ Microcredito is available
- Available
- Mozambique
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What types of loans does BDQ Microcredito offer?+
BDQ Microcredito lists personal borrowing, business borrowing, debt consolidation and BNPL options with fixed rate pricing. It acts as a direct lender for these purposes. Applicants can match a purpose to the paperwork required before proceeding.
Who can apply for personal borrowing with BDQ Microcredito?+
Individual applicants provide an application letter with ID card, NUIT, bank statements, residence proof and income proof. A pre-dated cheque to BDQ Microcredito also forms part of the file. Gathering each item in advance helps keep the application complete.
What does BDQ Microcredito ask from companies seeking business borrowing?+
Company applicants provide a licence or alvara with an economic activity declaration and signatories documents. Financial reports support the request alongside a pre-dated cheque to BDQ Microcredito. Checking each document against the request helps keep the file organised.
Which company operates BDQ Microcredito?+
BDQ Microcredito is operated by BDQ Holdings, SA. (Source, checked September 26, 2026)
Where is BDQ Microcredito based?+
BDQ Microcredito is based in Mozambique. (Source, checked September 26, 2026)
When was BDQ Microcredito founded?+
BDQ Microcredito was founded in 2003. (Source, checked September 26, 2026)
How can I contact BDQ Microcredito support?+
BDQ Microcredito offers support through Email, Phone. (Source, checked September 26, 2026)
Sources
- bdqholdings.co.mz checked September 26, 2026
Backs: Founded, Legal entity
“Founded in 2003, BDQ Holdings started as a small reprography company”
- bdqholdings.co.mz/en/bdq-microcredito.html checked September 26, 2026
Backs: APR, Eligibility, Funding time, Headquarters, Lender type, Loan types, Pricing model, Rate type, Support channels
“Select the percentage 25% only for small business 17% only for individuals 35% only if the above is not applicable”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Loan amount, Term, Arrangement fee, Credit check, Representative example.