Where to get a business loan in Zambia 2025

Securing funding is a crucial step in bringing a business plan to life. In Zambia, several financial institutions offer small business loans to help entrepreneurs grow their ventures. Here’s a randomized breakdown of the top small business loans available:

Where to get a business loan in Zambia 2025

1. AB Bank Zambia Business Loans

AB Bank provides loans for working capital and investment purposes, with flexible repayment options that align with your business’s cash flow needs.

2. Ecobank SME Loans

Ecobank offers customized financial solutions for SMEs, including overdrafts, working capital loans, and medium-term financing to assist with business expansion.

3. First Capital Bank SME Loans

First Capital Bank offers loans with adaptable repayment terms, catering to businesses that need funding for growth or working capital management.

4. Stanbic Bank Business Term Loan

Stanbic Bank’s loan features flexible terms and low interest rates, ideal for purchasing or upgrading assets and properties, with repayment terms between 3 to 5 years.

5. Zanaco SME Loan

Zambia National Commercial Bank (Zanaco) provides short-term and long-term loans tailored to SMEs. Their offerings include overdraft facilities and asset financing to promote business growth.

6. NATSAVE Business Loans

The National Savings and Credit Bank (NATSAVE) offers SME loans to support both urban and rural businesses, helping entrepreneurs expand operations and increase their reach.

7. FNB Zambia SME Loans

FNB Zambia provides a wide range of SME-focused loans, including collateral-free options for qualifying businesses, as well as vehicle and asset financing, green loans, and property finance.

8. Development Bank of Zambia (DBZ) Loans

The Development Bank of Zambia specializes in providing long-term financing, particularly for businesses in capital-intensive sectors like agriculture and manufacturing.

9. Cavmont Bank SME Loans

Cavmont Bank offers a variety of loan products for small businesses, including asset financing and business overdrafts to help improve cash flow and support business growth.

10. Atlas Mara SME Loans

Atlas Mara provides financial solutions such as working capital loans, asset financing, and other products designed to help small and medium enterprises scale and thrive.

These institutions offer a variety of funding options with terms that can suit different business needs. Whether you’re seeking short-term working capital or long-term investment funding, Zambia has a diverse range of lenders ready to support your business journey. Additionally, the Constituency Development Fund (CDF) can provide another great funding option for those with strong small business ideas.