Loans

AB Bank offers business loans with flexible repayment plans. To qualify for any of our loans, you will need to have an existing business within our branch network (Lusaka, Ndola, Mumbwa, Kitwe and Chipata). The business should have been in existence for a period of 12 months or more. You also need to have collateral and a guarantor.

SME Loans

These are loans that are tailored to meet the needs of Small and Medium size Enterprises.

  • Amount range: 200 000 – 5 000 000
  • Maturity: 4 months- 60 months
  • Must be between the ages of 21-65 years.
  • Zambian or a foreign national with a business permit, work permit or investor permit.
  • Valid & original ID (NRC, Driving License, or Passport).
  • Valid passport for the past 12 months and company documentation (For SME only).
  • Proof of Residence (Utility Bill).
  • If married spouse must be involved in Loan processing.
  • Must have a Guarantor (either in Business or in Formal Employment)
  • Must have collateral (household goods, fixed assets, and or mortgage)

Micro Loans

These are loans designed to support small businesses, small shop owners, marketeers, etc.

  • Amount range: 1000- 350 000
  • Maturity: 4 months- 24 months
  • Must be between the ages of 21-65 years.
  • Zambian or a foreign national with a business permit, work permit or investors permit.
  • Valid & original ID (NRC, Driving License or Passport).
  • Valid passport for the past 12 months and company documentation (For SME only).
  • Proof of Residence (Utility Bill).
  • If married spouse must be involved in Loan processing.
  • Must have a guarantor (either in Business or in Formal Employment).
  • Must have a collateral (household goods, fixed assets and or mortgage)

Agro Loans

These are loans designed to support agricultural-related businesses.

  • Amount range: 1000- 350 000
  • Maturity: 4 months- 24 months
  • You need to have an Agro business within our branch network (only Lusaka is currently offering Agro loans) in order to qualify for the Agro loan. Must be between the ages of 21-72 years.
  • Valid & original ID for all the parties involved (NRC, Driving License, or Passport).
  • Must have a Guarantor (either in Business or in Formal Employment).
  • Must have collateral (household goods, lives stock, fixed assets and or mortgage)
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