Minster of Finance unveils 253.1 billion Budget
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Driving Socio-Economic Impact
45 direct jobs preserved, with more than 25,000 jobs projected through supported enterprises.
Empowering Growth, Unlocking Opportunities
Powering inclusive growth though Risk-Sharing Guarantees.
Support for MSME's & Stakeholders
Enabling growth through strategic partnerships and innovative financial solutions.
Let’s Unlock Opportunities Together
Partner with ZCGS to expand access to financing and drive business growth.
Driving Socio-Economic Impact
45 direct jobs preserved, with more than 25,000 jobs projected through supported enterprises.
Small and Medium Enterprises are vital to Zambia’s economic growth, yet many struggle to access affordable finance. At ZCGS, we are committed to reducing lending barriers by providing credit guarantees that support viable businesses. Through strong partnerships, we are expanding access to finance and driving inclusive economic participation.
Mary Mumba
CEO, Zambia Credit Guarantee Scheme LTD
2.6
Billion
GUARANTEED Loans
7
Beneficiary
SME's
1452
JOBS
PRESERVED
7
NO. OF GUARANTEES
ISSUED
Unlocking Business Potential
Our Services
We provide credit guarantees and strategic partnerships that help viable businesses secure the funding they need to grow.
Credit Guarantees
We provide partial credit guarantees through partner financial institutions to support viable MSMEs that lack sufficient collateral. This reduces lending risk and improves access to finance.
Financial Linkages
We connect MSMEs to appropriate partner financial institutions based on their financing needs, helping businesses secure suitable loan facilities for growth and expansion.
Capacity Building Support
We collaborate with strategic partners to strengthen business management, financial literacy and record keeping, improving the credit readiness and sustainability of MSMEs.
The Process
How It Works
Our credit guarantee model helps viable MSMEs access finance through structured partnerships with financial institutions.
Apply Through Partner Institution
Submit your application through a participating financial institution with a clear and viable business proposal.
Institution Reviews Application
The financial institution carefully reviews your proposal to assess viability, risk profile and financing suitability.
ZCGS Issues Credit Guarantee
If eligible, ZCGS provides a partial credit guarantee to share lending risk with the partner institution.
Loan Approved And Disbursed
With the guarantee in place, the loan is approved and funds are disbursed to support business growth.
1
Apply Through Partner Institution
Submit your application through a participating financial institution with a clear and viable business proposal.
2
Institution Reviews Application
The financial institution carefully reviews your proposal to assess viability, risk profile and financing suitability.
3
ZCGS Issues Credit Guarantee
If eligible, ZCGS provides a partial credit guarantee to share lending risk with the partner institution.
4
Loan Approved And Disbursed
With the guarantee in place, the loan is approved and funds are disbursed to support business growth.
Frequently Asked Questions
Your Help Center
Who is eligible to benefit from a ZCGS credit guarantee?
Viable Zambian Micro, Small and Medium Enterprises (MSMEs) that have inadequate collateral to access financing on their own. ZCGS also has a deliberate affirmative focus on underserved groups, particularly women, youth, and businesses in rural areas.
Insights and Updates
The Latest News, Trends, and Best Practices
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