The Loan product is tailor made for University and College Final year Students and /or fresh Graduates with an Entrepreneurial mindset but lack Capital to Finance their Business ventures in any sector of the Economy.

The Commission is offering up to a maximum K3, 000.000.00 Financial Support . This is an affordable, competitive, easily accessible product with a flexible repayment plan. The loan will attract interest rates at 12% percent per annum and maximum loan tenure is Sixty (60) months.  A grace period (Principal Loan repayment) will be given depending on the nature of business but shall not exceed Six (6) months.


Eligibility of beneficiaries shall be based on the following;

  • Must be a Final year student or fresh graduate not more than two (2) years from University and College with an entrepreneurial mindset but lack capital for business venture.
  • Beneficiary must be a Zambian Citizen with a Green National Registration Card
  • Must be willing to Partner in both Shares and in Management structure with the Commission.


This product will target the following citizens;

  1. Youths- 70% (Female and Male individuals between the ages of 18 to 35 years)
  2. Women- 20% (Females above 35 years)
  3. Persons with Disability- 5% (In line with Persons with Disabilities No. 6 of 2012 will include female and male youths, women and men)
  4. Men- 5% (Males above 35 years).


Individual Citizens ,MSMEs and Cooperatives who meet the above criteria are encouraged to submit complete Project applications with the correct attachments on the Online Portal during the current Call for Applications.

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