Business Loans & CEEC Funds in Zambia
Business money in Zambia comes from two places: SME loans from banks and MFIs, and the Citizens Economic Empowerment Commission (CEEC). CEEC calls open and close, so check the live window on the CEEC portal.
Business & agriculture loans
CDF Empowerment LoanK5,000–K200,000branchDuration: 12–48 months · Lusaka · Copperbelt · Southern +7 moreMYSA Multi-Sectoral Youth LoanbranchwebLusaka · Copperbelt · Southern +7 moreImisepela Busulu Youth LoanK5,000–K50,000OnlineappRate: 8% per year · Duration: 1 year · Lusaka · Copperbelt · Southern +7 moreAB Bank Zambia SME LoanK200,000–K5,000,000branchwebDuration: 60 months · Lusaka · Copperbelt · Central +2 moreAB Bank Zambia MSME LoanK1,000–K5,000,000branchwebDuration: 60 months · Lusaka · Copperbelt · Central +2 moreEFC Zambia Women Market Traders LoanK5,000–K15,000webDuration: 18 months · Lusaka · Copperbelt · Central +7 moreFINCA Zambia Micro LoanK1,000–K50,000⏱24 hoursbranchwebRate: 24% (period not specified) · Duration: 6 months · Lusaka · Copperbelt · Southern +4 moreKwachaFlex Instant LoanK500–K100,000⏱24 hoursOnlineussdRate: 18% (period not specified) · Duration: 91 days · Lusaka · Copperbelt · Southern +1 moreZanaco SME Business LoanK10,000–K2,000,000⏱3–5 dayswebRate: 25% (period not specified) · Duration: Up to 60 months · Lusaka · Copperbelt · Southern +1 moreZanaco Agricultural LoanK5,000–K500,000webRate: 10% (period not specified) · Duration: Up to 12 months · Central · Southern · Eastern +3 moreMadison Finance Business LoanK10,000–K1,000,000⏱2–5 dayswebRate: 25% (period not specified) · Duration: 6–36 months · Lusaka · CopperbeltFINCA Zambia Individual LoanK1,000–K500,000⏱3–7 dayswebRate: 20% (period not specified) · Duration: 6–36 months · Lusaka · Copperbelt · Southern +4 more
Self-employed & informal traders
FairMoney Instant LoanK500–K20,000⏱5 minutesOnlineappwebRate: 25% (period not specified) · Duration: 30 days · Lusaka · Copperbelt · Southern +5 moreWamaka Instant LoanK250–K55,000⏱5 minutesOnlineappwebRate: 30% per year · Duration: 100–365 days · Lusaka · Copperbelt · Southern +7 moreRapidMoney Instant LoanK100–K20,000⏱5 minutesOnlineappwebRate: 30% (period not specified) · Duration: 91 days · Lusaka · Copperbelt · Southern +7 moreZamcash (Biu Capital) Instant LoanK500–K5,000⏱5 minutesOnlinewebRate: 20% (period not specified) · Duration: 30 days · Lusaka · Copperbelt · Southern +7 more
Government funding programmes
- HELSB student loans
- TEVET bursary
- CDF loans & bursaries
- Youth empowerment funding
- Imisepela & CEEC funding