Our Model
At SHONA ZAMBIA, we believe that financing alone is not enough. That’s why our model combines affordable, flexible loans with hands-on business support, giving entrepreneurs the resources and guidance they need to grow with confidence.
Our Products
Growth & Working Capital
Designed to strengthen day-to-day operations, expand inventory, and support asset acquisition.
- Amount: ZMW 100,000 - 2,000,000
- Term: 4 - 24 months
- Rates: Affordable and tailored
Revolving Credit
A flexible solution for short-term opportunities and cash flow management.
- Amount: ZMW 100,000 - 500,000
- Term: 90 - 120 days
- Key Feature: Revolving structure
Management Support
Practical, one-on-one guidance to strengthen your business foundations.
- Focus: Leadership & Sales
- Focus: Accounting & Tax
- Focus: Regulatory Support
Our Integrated Approach
Our integrated approach strengthens both financial and operational foundations, enabling SMEs to formalize, compete, and scale effectively.
Who We Serve
We support businesses that drive growth but lack affordable financing:
SMEs
Trade, manufacturing, agribusiness, and services.
Entrepreneurs
Seeking flexible financing and advisory support.
Growth-Oriented
Businesses transitioning to formal structures.
Underserved
Viable businesses excluded from traditional banks.
Our Value Propositions
Beyond Capital
Beyond Capital
Tailored financing packages supported by management advisory.
Technology-Driven
Technology-Driven
Online applications and streamlined processes deliver efficiency.
Strong Backing
Strong Backing
Supported by KSI, a purpose-driven shareholder with proven expertise.
Experienced Leadership
Experienced Leadership
A management team with deep knowledge in finance and SME development.
Responsible Lending
Responsible Lending
Transparent processes ensure businesses get the capital they can manage.
Competitive Pricing
Competitive Pricing
More affordable than most MFIs and aligns with bank-level standards.
Flexible Requirements
Flexible Requirements
Simpler, more adaptable processes than traditional banks.