Empowering Zambian Enterprises.
We fuel the growth of Zambian SMEs by offering investment capital, working capital, and expert financial advisory designed for your success.
500+ Businesses Funded
Powering Enterprises Across The Region
Estimate your monthly repayments in seconds.
Use our quick tool to understand how much you could repay over time before you even apply.
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Estimate your monthly repayments in seconds.
Use our quick tool to understand how much you could repay over time before you even apply.
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Competitive interest rates from 3%
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Flexible repayment periods up to 36 months
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Zero hidden charges or early settlement fees
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Automatic monthly deductions from your business account
Our Financial Solutions
Tailored credit products designed to meet the diverse needs of modern Zambian businesses.
Working Capital
Keep your daily operations running smoothly with our fast-approval working capital loans.
Learn MoreInvoice Discounting
Unlock the value of your unpaid invoices and improve your cash flow immediately.
Learn MoreOrder Finance
Finance purchase orders to fulfill large contracts without depleting capital.
Learn MoreWhy Choose Gaphen?
We offer competitive rates, flexible processing, and dedicated advisory for growth-oriented SMEs.
"Gaphen Finance transformed our operations. We secured order financing in under 48 hours, allowing us to hit our delivery targets."
Scale Your Business Now
Join the Gaphen Finance family and access the resources you need to reach your full potential.