How It Works

Application Process

You will work with a FINCA Account Relationship Officer to prepare an application form.

Site Visit

A FINCA Account Relationship Officer will visit your business & home to collect data.


A FINCA Account Relationship Officer will train you on credit and managing cash flows.

Loan Approval

A FINCA Credit Committee will evaluate the loan application documents and approve the loan.

Loan Disbursement

Loan is credited to your account and you'll be required to present your ID when withdrawing cash.

Loan Repayment

Your Business becomes successful and you repay your initial loan to FINCA.

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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