Working capital that moves at the speed of your trading cycle.
Nexus Credit finances registered Zambian businesses that need stock, inputs, equipment or bridging cash between delivery and payment. We read your bank statements and order book rather than applying a single rigid template, and we structure instalments around the way money actually comes into your business.
- Amounts
- ZMW 5,000 – 250,000
- Tenure
- 2 – 24 months
- Indicative rate
- From 5% / month
- Decision
- 24 – 72 hours
Stock and inventory finance for retailers, wholesalers and distributors.
Invoice and contract finance against confirmed orders or certified works.
Seasonal facilities for agribusiness, inputs and harvest cycles.
Equipment and asset acquisition with the asset held as security.
Facilities we offer
- Working capital loan — a lump sum repaid over a fixed schedule.
- Stock finance — funds released against supplier quotations or proforma invoices.
- Invoice finance — advance against invoices due from creditworthy buyers.
- Contract finance — mobilisation funding against an awarded, signed contract.
- Asset and equipment finance — secured on the equipment purchased.
- Bridging facility — short-term cover between certified work and payment.
Eligibility
We lend to businesses that are properly registered and trading. A short operating history is not automatically a barrier where bank statements or mobile money records show consistent turnover.
- PACRA registration (limited company, business name or partnership).
- Valid TPIN and, where applicable, tax clearance.
- Six months of business bank or mobile money statements.
- Directors' or proprietors' NRCs and proof of residence.
- Board or partner resolution authorising the borrowing, where applicable.
- Supporting documents: contracts, purchase orders, invoices or supplier quotes.
How we assess a business file
A loan officer reviews turnover and its consistency, the gap between money going out and coming in, existing obligations, the strength of the counterparty on any contract or invoice, and the security offered. We also check that the amount requested matches the stated purpose — over-borrowing against a thin margin is the most common cause of business default.
Where the case is strong but the amount is not affordable, we counter-offer rather than simply decline, and we explain what would need to change for a larger facility next time.
Repayment structures
Monthly instalments are standard. For seasonal or contract-driven businesses we can structure interest-only periods followed by a bullet repayment on contract settlement, or a schedule weighted to your high season. Every structure is set out in writing with each due date listed before you sign.
Indicative business credit terms
Indicative figures in Zambian Kwacha. Your final rate and limit depend on affordability, security and credit assessment.
| Facility | Amount | Tenure | Typical security |
|---|---|---|---|
| Working capital | ZMW 10,000 – 250,000 | 3 – 24 months | Directors' guarantee, business assets |
| Stock / inventory finance | ZMW 5,000 – 150,000 | 2 – 12 months | Stock, supplier undertaking |
| Invoice / contract finance | ZMW 20,000 – 250,000 | 1 – 9 months | Assigned invoice or contract proceeds |
| Equipment & asset finance | ZMW 20,000 – 250,000 | 6 – 24 months | Asset purchased |
Frequently asked questions
Ready to see your repayment?
Model your instalment in the calculator using the SME working capital option, then apply in about three minutes and upload your statements in the same session.
Nexus Financial Services Limited will never ask for payment or advance upfront processing fees via personal phone numbers. Always verify through official channels. Nexus Financial Services Limited is registered with PACRA under number 320020105522.
