About Gaphen Finance
A dynamic and forward-thinking microfinance institution dedicated to fueling the growth of businesses across Zambia.
Built for Zambian businesses, by people who understand them.
Founded in 2018, Gaphen Finance Limited was born from a simple observation: Zambia's SMEs were full of potential but starved of capital. Traditional banks were slow, rigid, and out of reach for most growing businesses.
We built a different kind of lender — one that moves fast, speaks plainly, and puts the borrower first. Today we've disbursed over K 3 million to 500+ businesses across every province.
Our Core Values
Innovation
We continuously push the boundaries of lending technology — building faster approvals, smarter risk tools, and seamless digital experiences so Zambian businesses can access capital without the old headaches.
Security
Your financial data is handled with bank-grade encryption and strict access controls. We treat every borrower's information with the same care we'd want for our own.
Transparency
No hidden fees. No small print surprises. We show you exactly what you'll pay, when you'll pay it, and why — from the first quote through to final repayment.
Community
Every loan we approve creates ripples — jobs added, families supported, neighbourhoods strengthened. We measure our success by the growth we enable in Zambian communities.
Ready to grow?