Dear Shareholders,

In December 2018, we acquired Embassy Loans Inc., a Florida based title loan company, with an active loan portfolio of US$4.2 million. This acquisition which initiates our global footprint, will serve to provide a solid platform for future growth in North America while diversifying the Company’s asset and revenue base.  The Board has oversight of Embassy Loans Inc., and two (2) of our current Board members; Messrs. Christopher Williams and Marcus James are Directors providing oversight to the overseas operations.

In December 2018, we rolled out the MyAccess mobile application which is available for download from the Google Play store.  The App provides a convenient, cost effective delivery channel to prospective customers to apply for our loan products and to our existing customers, electronic statements of account.  We continue to promote the benefits of MyAccess to our customers. The key to delivering on our strategies to drive growth and improve operational efficiency is ensuring that we maintain a culture of high performance, a high level of employee engagement, a laser focus on customer retention, referral and satisfaction and leveraging digital technology.

The Board is mindful of the imminent change to the regulatory environment within the microfinance sector and will ensure that the Company’s operations and structure are aligned with new regulatory requirements and that effective governance is maintained.

The Board and the team members have demonstrated over the course of this financial year in particular, their unwavering focus on the attainment of our Strategic Objectives.  We are confident that the organization’s structure provides a strong foundation for future growth.

In closing, and as we look forward to a successful 2020 financial year, I would like to welcome the Embassy team to the Access family and sincerely thank our Senior Management team and ALL team members for their commitment during the year.  To our customers, partners and providers, we thank you for choosing Access Financial Services Limited.  To my fellow board members for their oversight and stewardship of our company.


Thank you!


Rex James

Chairman, Access Financial Services Limited



Tel: (876) 929-9253

Fax: (876) 929-9679


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We are the leading provider of financial services to individuals under-served by traditional loan providers.