LAPO provides thefollowing services:

Micro credit products are

• Regular Loan is obtained by members through their groups for income generating purposes.
• Asset Loan is meant to promote ownership of income generating assets among members.
• Seasonal Loan is disbursed mainly for farming activities of members. Repayment schedule is designed to suit the seasonal nature of such activities.
• Festival Business Loans are disbursed in the month of October to enable members’ benefit from the boom in business activities during Christmas/New year festivities.
• Credit– for – shares to assist poor people acquire shares in profitable companies and manage them.
• Enterprise Loan is individual loan product designed for those who cannot be in group meeting, the loan size and duration is determined by the individual client. The enterprise loan is managed under a special loan scheme called Enterprise Development Loan Scheme (EDLS).
• Nedoghama Loan is a special loan product for only Bini speaking active clients in LAPO.  This loan product derived its name from its sponsor – Nedoghama Club.
• KIVA Loan is like the regular loan with fix duration of eight months. The loan size unlike regular loan is determined by the size of client business.
• Savings products are to assists members to gradually build their capital with different savings. LAPO Microfinance Bank Ltd provides opportunities for capital accumulation through savings for loanees as follows:
• Regular Savings are compulsory savings and withdrawal isr estricted.
• Voluntary Savings: Borrowers are motivated to open and operate voluntary savings accounts. Savers make withdrawals from the account at will.
• Individual Mandatory Savings: Borrowers are required to make regular deposits into their individual accounts. Balance of these account serve partly as security for loans. Interest rate of 6% per annum is paid on the balances of these savings accounts.
• Festival Business Savings enable client builds capital to support their business to meet expenses associated with the festive period.
• Golden Savings allows clients to deposit substantial amount of money without withdrawal for a minimum of 6 months. The interest paid to clients’ deposit depends on the duration of the deposit.