Business Loans

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.


  1. An individual entrepreneur or merchant, or other legal entity engaged in income-generating activities
  2. Someone who has been in business for at least 6 months
  3. Able to demonstrate a proper business recording system and the capability of operating a business profitably
  4. In possession of assets or collaterals (e.g. business equipment, vehicle, house or land)
  5. Residing and operating in Zambia
  6. A holder of a regular savings account with EFC Zambia
Minimum Loan Amount ZMW 5,000
Maximum Loan Amount ZMW 1,000,000
Repayment Period Up to 36 months
Credit Life Insurance Mandatory
* Information on interest rate, fees and conditions is available in EFC Branches


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