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Business loans for SMEs and small businesses

SME and small business loans in Zambia for marketeers, traders, drivers and craftspeople. Working capital in Kwacha, no payslip needed. Apply online with Ornix Credit.

Running a small business in Zambia means paying for stock, tools and transport before the money comes in. An Ornix Credit business loan gives you working capital to keep your business moving, and you repay in monthly instalments from what you earn. You don’t need a payslip: we look at the income from your business instead.

Who it's for

What you can use it for

What you'll need

Your NRC and a mobile number to register. Instead of a payslip, you show proof of your business income, such as mobile money or bank statements. When you apply, we show you exactly which documents your loan needs. Depending on the loan, security (collateral) may be needed; we’ll tell you before you apply.

How much, and for how long

Use the loan calculator below to choose an amount and a repayment period. You’ll see your monthly payment, the total interest, the one-time processing fee, what you receive and the total to repay in Kwacha, before you apply.

How it works

From application to money in your wallet

Everything happens online. You can track each step from your phone.

  1. 1

    Create your account

    Register with your NRC and mobile number. It only takes a few minutes.

  2. 2

    Choose your loan

    Pick an amount and repayment period and see the total cost and every payment date.

  3. 3

    Upload and get a decision

    Send your documents from your phone. We check them and let you know by SMS or WhatsApp.

  4. 4

    Sign and receive

    Sign your agreement online and the money is sent to your mobile money wallet or bank account.

A smiling family of four, parents with their two young children

Apply for your loan

Talk to us about your loan, or start your application online.

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