SMEs Fund (ZedSMEs)
Growth capital for Zambia’s small businesses
$25k–250k
Growth capital
2–5 yrs
Flexible terms
ZMW
Local currency
90%+
Repayment rate
For SME Owners
You’ve built something that works. Let’s make it bigger.
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Capital that grows with you$25k–250k for growth, equipment, or new locations.
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No land? No problem.Lend based on cash flow, not collateral.
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Borrow & repay in KwachaNo forex risk.
✅ Fit if:
For Investors & Partners
The backbone of Zambia’s economy, de-risked & scaled
Thesis in brief
SMEs account for 70% of employment & 97% of businesses in Zambia, yet face a $5B+ financing gap. ZedSMEs provides flexible growth capital to proven businesses—unlocking job creation at scale.
Key metrics
Ticket size$25k–250k
Tenure2–5 yrs flexible
Target impact50–100 jobs / $500k
1
Apply
Share your business story and growth plans
2
Assessment
We review your cash flow, not just collateral
3
Structure
Terms built around your business cycle
4
Grow
Access capital + support + new markets
Working Capital
Stock inventory & fulfill large orders
Equipment
Tools, vehicles, machinery
Expansion
New locations, warehouse, renovations
| Traditional Bank | ZedSMEs Fund | |
|---|---|---|
| Collateral | Land/property required | ✅ Cash flow-based |
| Interest rates | 25–35% | ✅ Competitive, subsidized |
| Loan term | 12–24 mo, rigid | ✅ 2–5 yrs, flexible |
| Currency | USD (forex risk) | ✅ ZMW |
| Support | None | ✅ Advisory + market access |
For investors & partners: Learn more & invest