Mkuu, biashara ya kukopesha (Micro lending and Microfinance institutions) kimsingi is supposed to be regulated na Benki Kuu ya Tanzania. Lakini kwa sasa hivi BOT haijaanza ku regulate kama inavyofanya kwa mabenki na Bureau de Change. hivyo, unachotakiwa kufanya ni kuandikisha a limited liability company through BRELA na baadae pata letter of no objection kutoka BOT baadae chukua leseni ya biashara kutoka Wizara ya Biashara na
Viwanda.
Kwa sasa hakuna minimum capital requirement kwa ajili ya biashara hii. Kwa hiyo mkuu, changamkia haraka kabla BOT hawajaja na masharti au vigezo vingine lakini lazima utengeneze a comprehensive business plan of at least 3-5 years.