Financial Products That Work for You
From short-term working capital to medium-term asset acquisition — flexible terms, competitive pricing, and a client-first approach.
Business Loans
General-purpose financing for operational expansion, working capital, stock procurement, and strategic investment. Tailored to your cash flow cycle and repayment capacity.
- Loan amounts from ZMW 10,000 to ZMW 5,000,000
- Flexible tenors from 3 to 36 months
- Competitive interest rates based on risk assessment
- Collateral and non-collateral options available
Asset Financing
Structured financing for the acquisition of productive business assets including vehicles, machinery, equipment, and technology. The financed asset typically serves as primary security.
- Up to 80% of asset value financed
- Tenors aligned with asset useful life (up to 60 months)
- Quick pre-approval process with streamlined documentation
- Insurance and maintenance bundling options
Invoice Discounting
Unlock the value of outstanding receivables by converting unpaid invoices into immediate working capital. Ideal for businesses with reliable corporate or government clients.
- Up to 80% of invoice face value advanced upfront
- Confidential and disclosed facilities available
- No additional collateral required beyond receivables
- Flexible drawdown as new invoices are raised
Order Financing
Pre-delivery financing for businesses with confirmed purchase orders but insufficient working capital to fulfil them. We fund procurement, labour, and delivery on confirmed contracts.
- Financing based on confirmed purchase order value
- Direct payment to suppliers where applicable
- Short-term tenors aligned with delivery timelines
- Suitable for manufacturing, trading, and services
Micro Loans
Small-ticket financing designed for micro-enterprises, sole traders, and early-stage businesses that need fast access to capital without complex documentation.
- Loan amounts from ZMW 500 to ZMW 50,000
- Rapid disbursement within 24–48 hours of approval
- Group lending and individual loan options
- Progressive lending with increasing limits for repeat borrowers
Women-Led Business Financing
Dedicated funding solutions for women entrepreneurs and women-led enterprises. Featuring preferential terms, mentorship linkages, and tailored financial literacy support.
- Preferential interest rates for qualifying businesses
- Access to mentorship and networking opportunities
- Flexible collateral requirements
- Bundled financial literacy and business skills training
What Sets Us Apart
Fast Turnaround
Streamlined processes designed to deliver decisions and funds significantly faster than traditional banks.
Flexible Terms
Products structured around your cash flow cycle, with customisable repayment schedules and tenor options.
Responsible Lending
We ensure borrowing levels are appropriate and repayment structures are manageable for long-term success.
Ready to Get Started?
Speak to our team about the best financing solution for your business.