Our Approach
We meet entrepreneurs where they are. Our work is rooted in trust, simplicity, and practical support designed for busy lives and real business conditions.
We understand that running a micro-business or informal enterprise comes with unique challenges. That's why we've built our approach around real-world needs, not theoretical models. Every solution we offer is designed to work in the context of daily business operations, family responsibilities, and the unpredictable nature of informal markets.
Testimonials
Hear from successful marketeers who have grown their businesses with our financial support.
"Running a groceries store in the market, Valuefin's loan helped me stock up on essential items during the busy season. My sales increased significantly, and I can now serve more customers daily. Thank you Valuefin for believing in my business!"
As Mr Katongo Mporokoso, a skilled carpenter, Valuefin's financial support allowed me to purchase new tools and materials, expanding my workshop. This has increased my orders and improved my craft. Grateful for their trust in my business.
Mr Chanda Mutale, taxi driver in Lusaka. The loan helped me maintain my vehicle and even add another one to my fleet. Valuefin's services have made transportation more reliable and profitable for me and my passengers.
Mrs Lilian Phiri, passionate tailor. With Valuefin's loan, I bought sewing machines and fabrics, growing my tailoring business. Now I employ others and create beautiful garments. Thank you for believing in small businesses.
Miss Dorothy Mwachiyaba, hairdresser. Valuefin's loan funded my salon expansion, adding chairs and products. My client base has grown, and I'm now a successful entrepreneur. Eternally grateful.
Mr Simon Banda, auto mechanic. The loan from Valuefin helped me set up a proper garage with tools. I can now serve more customers and repair vehicles efficiently. Valuefin has been instrumental in my success.
Mrs Ruth Kaponda here, running a small retail shop. Valuefin's loan helped me stock up on goods during the low season, keeping my business afloat. Their guidance and flexible terms have been a game-changer for my livelihood.
I'm Mr Andrew Mponda, a farmer growing maize and vegetables. The loan from Valuefin enabled me to buy better seeds and equipment, leading to higher yields and better profits. Thank you Valuefin for empowering farmers like me.
Mr James Mbewe, fishmonger. With Valuefin's support, I expanded my fish business and got a bigger boat. Now I supply to multiple markets. Thank you for helping my family business thrive!
Mrs Agness Zulu, poultry farmer. Valuefin's loan helped me buy more chickens and improve my chicken run. My egg production doubled and I'm now supplying restaurants. Truly grateful!
Mr Patrick Banda, phone repair technician. The loan allowed me to buy diagnostic tools and spare parts. Now I can fix more phones faster. Valuefin believed in me when others didn't!
Miss Sarah Tembo, bakery owner. With Valuefin's help, I bought an industrial oven and expanded my bakery. My cakes and bread are now sold in 5 different markets. Dream come true!
Our Reach
With over 25 strategically located branches throughout Lusaka, we bring financial services closer to marketeers in every corner of the city. Our expansion strategy focuses on accessibility and convenience for our clients.
Growth Strategy
Our expansion strategy is built on three key pillars: geographic reach, product diversification, and technological innovation. We are committed to extending our services beyond Lusaka to other major cities in Zambia.
We plan to establish 50+ branches across Zambia by 2026, targeting major markets in Copperbelt, Southern, and Central provinces. This expansion will enable us to serve over 5,000 marketeers nationwide.
Developing specialized loan products for different market segments including agricultural suppliers, retail traders, and service providers. We're also introducing digital lending platforms for faster loan processing.
Building strategic partnerships with market associations, suppliers, and financial institutions to create a comprehensive ecosystem that supports marketeer success.
Economic Impact
Valuefin is committed to job creation and economic empowerment. Our business model generates both direct and indirect employment opportunities across Zambia.
We currently employ over 80 full-time staff across our branch network, including:
Target: Increase to 200+ employees by 2026 through our expansion program.
Our lending activities support the livelihoods of thousands through:
Impact Goal: Support 10,000+ indirect jobs by 2027 through expanded lending.
Through our operations, Valuefin contributes to the creation and sustenance of over 3,600 jobs (direct and indirect), impacting more than 15,000 lives across Zambian communities.
To empower marketeers and small business owners in Zambia by providing accessible, affordable, and sustainable financial solutions that drive economic growth, create employment opportunities, and improve livelihoods across communities.
To become Zambia's leading financial services provider for the informal sector, recognized for our commitment to inclusive growth, job creation, and sustainable business practices that transform communities and strengthen the national economy.
Our Values
We conduct our business with honesty, transparency, and ethical practices in all our dealings.
Our clients are at the heart of everything we do. We prioritize their needs and success.
We build long-term relationships and sustainable business models that benefit all stakeholders.
We continuously improve our services and embrace technology to better serve our clients.
We are committed to uplifting communities and contributing to Zambia's economic development.
We strive for excellence in service delivery and maintain the highest professional standards.