We provide a wide range of loan and savings products that are very competitive on the market. Our loan products are tailor made to suite and empower small to medium entrepreneurs while our savings create wealth and security for our clients. In addition, we also offer value added services such as payroll on our corporate account among other services.

Loan Products

Small Enterprise Loan

This loan product is designed for entrepreneurs with much bigger businesses and who may need a larger amount of loan to boost up their working capital. This product requires minimum documentation and flexible collateral.

Business Loan

This is an individual loan product that offers an opportunity for business owners who need working capital to expand their businesses, keep them running or take it to the next level. This product is very affordable.

Group Loan

No matter how small your business is, this product offers you an opportunity to realize your business growth ambitions which should not be constraint by lack of capital or collateral.



Flex Account

Flex account is a transactional account that can be used for both personal and business purposes. With it, comes FREE insurance cover.


FINCA Saver is an easy and affordable account and offers a platform to make more frequent deposit of smaller amounts of money at no cost at all.

Fixed Term Deposit

Fixed Term Deposit offers our customers an opportunity to build their wealth and secure their future through sustainable savings.

Corporate Account

This is a business account designed for owners of profitable businesses. Holders of this account can also access other products and services.


Other Services

Payroll Service

Get your payroll done without a hassle. Its quick, secure, efficient, cost effective and comes with exceptional service to you and your employees

Flex Insurance

Secure you and your family's financial future against risk by opening a FINCA Flex account and benefit from FREE insurance.

FINCA Zambia Ltd is a Microfinance Deposit Taking Institution regulated by The Bank Of Zambia under the Banking and Financial Services (Microfinance) Regulations, 2006. FINCA ZAMBIA is a subsidiary of FINCA Microfinance Holding Company LLC (FMH), and part of a network of 21 microfinance institutions and banks that provide socially responsible financial services that enable low-income individuals and communities to invest in the future.
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