Business Loans

Business Loans

EFC Supports Your Business

EFC Business Loans are specifically designed for MSME’s that need fast and efficient loan services as a way of empowerment. This type of loan is suitable for entrepreneurs aiming to develop their business by financing a wide range of activities including working capital, equipment purchases and investments.

Eligibility Criteria

The borrower must be:

  • An individual entrepreneur or merchant, or other legal entity engaged in income-generating activities.
  • Someone who has been in business for at least 6 months.
  • Able to demonstrate a proper business recording system and the capability of operating a business profitably.
  • In possession of assets or collaterals (e.g. business equipment, vehicle, house or land).
  • Residing and operating in Zambia.
  • A holder of a regular savings account with EFC Zambia.


  • Loan ranges from K5,000 to K600, 000 (first time customers).
  • Up to K1m for qualifying repeat customers.
  • Collateral required (Vehicles, Property and Machinery).