More than just
Capital
The Challenge We Address
Small and Medium Enterprises (SMEs) power Zambia’s economy fuelling innovation, employment, and growth. Yet, most remain locked out of formal financing. For a young and ambitious population, this financing and knowledge gap stands as one of the biggest barriers to inclusive economic progress
the biggest barriers to inclusive economic progress. Despite their importance, many SMEs struggle to access affordable capital, structured financial guidance, and hands-on business support.
SHONA Capital Zambia exists to change this reality by combining flexible financing with practical management support, empowering entrepreneurs to grow stronger, smarter, and more sustainable businesses
Flexible Business Loans
We offer tailored financing packages designed to meet the diverse needs of SMEs, supporting everything from day-to-day operations to long-term expansion. Our solutions include working capital loans, asset financing, and revolving credit.
Hands-On Management Support
We go beyond financing by providing practical, ongoing guidance to every enterprise we partner with. Our support focuses on key areas such as leadership and sales, accounting and tax compliance, and regulatory support.
Why Choose SHONA Capital?
Beyond Capital
Beyond Capital
We provide tailored financing packages supported by management advisory.
Technology-Driven
Technology-Driven
Our streamlined processes deliver efficiency and robust risk management.
Flexible Requirements
Flexible Requirements
We use simpler, more adaptable processes than traditional banks.
Competitive Pricing
Competitive Pricing
Our financing is affordable and aligns with bank-level standards.
Responsible Lending
Responsible Lending
Our transparent processes ensure businesses get the capital they can sustainably manage.
Experienced Leadership
Experienced Leadership
Our team has deep knowledge in finance, credit risk, and SME development.
