Loans for marketeers and traders
Loans for marketeers and traders in Lusaka and across Zambia. Buy stock, grow your stand and repay monthly. No payslip needed. Get paid on Airtel Money or MTN MoMo.
Running a market stand means buying stock before you sell it. An Ornix Credit loan for marketeers gives you the money to restock, buy in bulk when prices are good, or take on a bigger order, and you repay in monthly instalments. You don’t need a payslip.
Who it's for
- Marketeers selling vegetables, fruit, fish and groceries
- Traders with stands or shops in markets such as Soweto, City Market and Kalingalinga
- Small business owners buying stock for resale
What you can use it for
- Buying fresh stock
- Buying in bulk at a better price
- Equipment such as a fridge, scale or shelter
- Getting through a slow season
What you'll need
Your NRC and a mobile number to register. Instead of a payslip, you show proof of your trading income, such as mobile money statements. When you apply, we show you exactly which documents your loan needs.
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.
This is an estimate. Your final amounts and dates are confirmed in your loan agreement after approval.
From application to money in your wallet
Everything happens online. You can track each step from your phone.
- 1
Create your account
Register with your NRC and mobile number. It only takes a few minutes.
- 2
Choose your loan
Pick an amount and repayment period and see the total cost and every payment date.
- 3
Upload and get a decision
Send your documents from your phone. We check them and let you know by SMS or WhatsApp.
- 4
Sign and receive
Sign your agreement online and the money is sent to your mobile money wallet or bank account.
Apply for your loan
Talk to us about your loan, or start your application online.