We offer short-term working capital loans for SMEs and personal loans in Lusaka and surrounding areas. Amounts range from k1,000 to k100,000+ depending on your business history and cashflow. T

If your documents are complete, most client get a decision in 24-48hrs and funding within 3-5 days.

At minimum: NRC, PACRA certificate, 6 months bank statements, and proof of business address. If you’re missing something, talk to us first. we help you fix gaps before you apply. See our full checklist on the site

We offer flexible repayment options to match your cash flow. You can choose:

- Monthly repayments – Fixed amounts paid every month until the loan is cleared.

- Weekly/Bi-weekly repayments – For clients with weekly income or business cycles.

- Bullet repayment – Pay interest monthly and clear the principal at the end of the loan term, available for short-term facilities.

All repayment schedules are shared upfront before you sign. You can also make early repayments at no extra charge to reduce interest.

Rates depend on loan size, term, and risk. We give you the exact repayment schedule before you sign. No hidden fees. If it doesn’t make sense for your business, we’ll tell you.

We accept both secured and unsecured facilities depending on the loan type and amount. Common collateral includes:

- Motor vehicles with valid registration and insurance

- Land and property with title deeds

- Business assets, inventory, and equipment

- Salary assignments for salaried clients

- Guarantors for smaller, unsecured loans

The type of collateral required will be discussed during your loan assessment. We ensure the process is transparent and compliant with ZICA/PACRA regulations.

We understand that delays happen. If you foresee an issue, contact us immediately so we can work with you.

If payments are delayed:

- Late fees and interest will apply as outlined in your agreement.

- Our collections team will reach out to agree on a catch-up plan.

- Persistent default may lead to recovery action, including use of collateral, guarantor claims, and listing with credit reference bureaus.

Our goal is to resolve issues early, so please communicate before your due date.

Yes. If your financial situation changes, we offer loan restructuring options such as extending the loan term, reducing monthly payments, or adjusting the schedule to fit your new cash flow.

Restructuring is subject to review and approval based on your repayment history and current capacity. Contact our office before you miss payments to discuss the best option.