Micro finance businesses in Zambia

For individuals and small businesses who lack access to conventional banking and related services.
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Ecobank Zambia image
Ecobank Zambia
Micro finance
Lusaka +6
Ecobank's Pan-African presence currently helps over 2 million low-income individuals through its support of micro-finance institutions. Ecobank offers these micro-finance institutions a range of banking services to increase their capacity to grow. It provides instant access to funds for emergencies, and a salary advance service which gives a 30-day overdraft facility of up to 40% of total salaries bill.
Gather Wealth Investment Company Ltd
Business financing
Lusaka
If you need to get new equipment, finance your accounts receivable or raise your working capital, Gather Wealth Investment Company can help you with financing. The company prides itself in finding thoughtful and strategic loan products to fit each of their clients' business financing needs.
ExpressCredit.co.zm
Micro finance
Lusaka +12
ExpressCredit.co.zm is one of the leading micro-lending finance companies in Zambia, providing financial services and solutions targeted at business entities. The company utilises innovative technology to deliver its outstanding services, ensuring that entrepreneurs achieve their business goals.
AB Bank Zambia Ltd
Micro finance
Lusaka
AB Bank Zambia (ABZ) specialises in micro finance Banking. Its main target are the micro, small and medium enterprises as well as the low income earners. Experience the perfect blend of exceptional service, expert solutions and unique benefits, tailored to help you achieve your financial goals.
FINCA Zambia
Business loans
Lusaka
FINCA Zambia provides small enterprise, business and group loans. Their range of products have been designed to help clients build wealth and security for their future through sustainable savings. All products are tailor made to suit the needs of low and medium income entrepreneurs.
Through an unwavering commitment to customer satisfaction within an ethical framework, Meanwood Finance Corporation aims to constantly enhance the quality of its service. This is a 100% Zambian owned company run by a largely independent Board of Directors.
In recognition of the fact that 64% of Zambian live below the poverty line, Catholic Relief Services has developed a savings-led microfinance model known as Savings and Internal lending Communities (SILC). The microfinance has been helping the community with a strategy to protect their assets, cash flow and increase income.
Entrepreneurs Financial Centre provides flexible loans that are affordable, easy to access and tailored to allow individuals and small businesses to afford education, medical expenses, business capital and other capital outlays. The savings balance can also be used as security for loans.

Micro finance

For individuals and small businesses who lack access to conventional banking and related services.

Loans and financial services in Zambia are for low-income individuals or those who do not have access to typical banking services. Microfinance services in Zambia can include savings, insurance, fund transfers as well as credit facilities. Microfinance is a source of financial services for entrepreneurs and small businesses lacking access to banking and related services. The two main mechanisms for the delivery of financial services to such clients are relationship-based banking for individual entrepreneurs and small businesses; and group-based models, where several entrepreneurs come together to apply for loans and other services as a group. There is a multitude of microfinance companies operating in Zambia. They are listed here.

When you need financial help, find a microfinance provider listed in this category - a form of financial service which provides small loans and other financial services to poor and low-income households.

Microfinance regulated and supervised by the Bank of Zambia is the best assistance the non-banked can get. These companies’ core business is the provision of credit facilities and various financial services to both the formal and informal sectors. They can leverage the strong brand and equity capacity to deliver affordable products and services to the mass market and small and medium enterprises.

Some other micro-financing needs

  • The payroll backed loans are meant to meet your needs. Whether you require the money for education, car insurance, medical bills, funeral expenses, building materials, capital for small businesses and other financial needs
  • Gadget Financing is a form of borrowing that allows our customers to access gadgets from a reputable store
  • Order finance is a form of short-term borrowing often used to improve a company’s working capital and cash flow when they have orders to execute. It allows a business (SME) to draw money against a confirmed purchase order from its customer.
  • An invoice discounting facility provides you with instant access to cash tied up in your outstanding invoices. It allows a business to draw money against its sales invoices/accounts receivables before the customer is actually paid.
  • Working Capital Finance - There has been a high demand from the market for a bridging finance mechanism that is not backed by invoices or order