Interest rates from 5% monthly. Boost your business with loans from ZMW 10000 to ZMW 10,000,000.

Business Financing Solutions

City Credit Services Limited is more than a lender; we are a partner committed to empowering Zambian businesses to thrive, create jobs, and contribute to the growth of our economy.

We understand that access to reliable financing is one of the biggest challenges facing small and medium-sized enterprises in Zambia. That is why we have developed flexible financing solutions tailored to meet the unique needs of your business.

Why Choose Our Business Loans

Low Rates

Competitive interest rates starting from 5% monthly.

One Fee

No hidden fees. Transparent pricing.

Tailored Solutions

Financing solutions customized to your business needs.

Online Management

Easy online application and loan management.

Business Financing Solutions

Agro-Loan
Agro-Loan

Upfront funding based on outstanding purchase orders. Finance up to 100% of the order value, up to K10m, for 1 to 3 months.

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Commercial Property Loan
Commercial Property Loan

Empowering Businesses Through Property Financing.

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Asset Financing
Asset Financing

secured funding method that allows businesses to acquire high-value assets such as machinery, vehicles, or equipment by spreading the cost over time through leasing or hire purchase

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Vehicle Finance
Vehicle Finance

Finance new or used vehicles for personal or business use.

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Gadget Finance
Gadget Finance

Acquire the machinery and equipment your business needs to grow.

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Order Finance
Order Finance

Financing solutions for commercial and residential property.

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Invoice Discounting
Invoice Discounting

lets you access funds tied up in unpaid invoices, so you can restock, pay suppliers, and seize new opportunities

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Eligibility Criteria

To apply for a business loan, you will need:

  • Business registration documents (Certificate of Incorporation, PACRA)
  • Tax clearance certificate
  • 6 months bank statements
  • Financial statements (if available)
  • Purchase orders or invoices (for order finance/invoice discounting)
  • Collateral documents (for secured loans)