Funding requests

If you are private sector micro-entrepreneur or a registered SME based in Zambia you can benefit from the EIB Southern Africa Microfinance / Small-Medium Enterprise (SME) funding and obtain a loan here in Zambia! The proposed project should meet sound financial, technical and economic criteria and fall within an eligible sector. Sectors include production, manufacturing, services, trade, tourism and the agro-industry.

Which currencies are available?

Depending on the policy of the approved financial intermediary, loans could potentially be made available in Kwacha, USD, EUR or other currencies traded on major foreign exchange markets.

Please submit your loan application to the EIB’s approved financial intermediary of your choice. The approved financial intermediaries are responsible for selecting and appraising eligible projects and for the submission of funding requests to the EIB for approval. As the approved financial intermediary will be taking on the credit risk, they will decide on the appropriate security depending on their risk assessment and market analysis. The approved financial intermediary due diligence and credit decisions are carried out at the approved financial intermediaries’ sole discretion.

The loan duration is generally up to 5 years and in certain cases up to 7 years. Interest rates are freely negotiated between the borrower and the AFI. They will typically depend on the market based cost of the EIB’s AAA funding as well as a margin to cover the AFI’s credit risk and administrative costs.

Download the General Rules & Conditions for Zambia here.

Business Development

By organising a series of support interventions aimed at raising the financial education and capability levels of M/SMEs, the Business Development Programme aims at improving the level of financial literacy, managerial capacity and entrepreneurial skills of business owners and market participants.

M/SME Workshop

Our workshops in Zambia are undertaken as a series of M/SME support actions aimed at improving managerial capacity and building entrepreneurship skills in order to maximize the development impact of M/SMEs, which in turn promote job creation and help M/SMEs present bankable projects to financial intermediaries.

Next events

Theme Place Date

Financial Literacy

for micro and small-scale entrepreneurs

Lusaka, ZCSMBA October 11-12, 2016
EIB SME Conference Lusaka, Hotel Intercontinental October 13, 2016

Business Skills  workshop

for micro and small-scale entrepreneurs

Lusaka, ZCSMBA

October 25-26, 2016

October 27-28, 2016

Business Skills  workshop

for micro and small-scale entrepreneurs

Kitwe November 21-22, 2016

Business Skills  workshop

for micro and small-scale entrepreneurs

Chipata December 12-13, 2016


The EIB MSME Conference 2016 “Supporting Growth of MSMEs in Zambia” was taking place on 13th of October 2016 in Lusaka

The event was open to entrepreneurs interested in growing a business and who would like to connect with financial institutions in a multi-learning forum. The event combined different topics in panel sessions and workshops, focusing on Micro/Small and Medium Enterprise lending, the importance of MSMEs for job creation and organized capacity building of entrepreneurs (“Business Development Services”). It sketched scenarios of possible future developments in Zambia. Speakers included development partners, experts, trainers and representatives of the EIB Partner Institutions AB Bank, BancABC, EFC, FNB and Madison Finance.



The technical assistance operation is financed under the Cotonou agreement by the EU in support of EIB.
The Technical Assistance component of the project is implemented in a consortium led by Frankfurt School of Finance & Management.