Lupiya Loans

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Instant Loan

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Requirements:‍

National Registration Card (NRC)

Collateral Backed Loan

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Collateral Backed Loan - Vehicle‍

National Registration Card (NRC)
3 Months Bank Statements
3 Months Payslips (Optional)
White Book
Photo's of Vehicle
Insurance Cover (Optional)

Collateral Backed Loan - Landed Property‍

National Registration Card (NRC)
3 Months Bank Statements
3 Months Payslips (Optional)
Copy of Certificate of Title
Lands Registry Search Printout
Pictures of Property
Valuation Report

Car Loan

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Requirements:

National Registration Card (NRC)
Latest Payslip
3 Months Bank Statements
Employee Introductory Letter
Motor Vehicle Invoice
Photo's of Vehicle
Downpayment (20% Car Value)

Invoice Discounting

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Requirements:

NRC of all Directors
Company Registration Documentation
Form 5 or 125 (Limited Company)
6 Months Latest Bank Statements
Financial Statements
Contract Regarding Transaction
Proof of Performance
Collateral:

Motor Vehicle:

White Book
Photos of Vehicle
Insurance Cover

Land Property:

Copy of Certificate of Title
Lands Registry Search printout
Pictures of property
Valuation Report

Business Car Loan

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Requirements:

NRC of all Directors
Company Registration Documentation
Form 5 or 125 (Limited Company)
6 Months Latest Bank Statements
Financial Statements or Management accounts
Company Profile
Motor Vehicle Invoice
Photos of motor vehicle
Down-payment P.O.P (20% Car Value)
Quick Fit Report

Agri-Loans: Solar Irrigation

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Requirements:

NRC of all Directors
Company Registration Documentation
Minimum of one year farming experience.
Certified memorandum and articles of association (if available).
Twelve months’ bank , mobile money statements or proof of income.
Cash flow projections
Business Plan or Company Profile
Supplier quoation of the equipment
Proof of land ownership or lease agreement
Solar irrigation system may serve as collateral; a down payment of 10-30% of the total system cost is required.
Off-taker agreement (if available)

Civil Servant Loan

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Requirements:‍

National Registration Card (NRC)

Benefits:‍

Loan Consolidation
Loan Topups
Car Loans
Device Financing

Zambia Defence Forces

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Requirements:

National Registration Card (NRC)
Latest Payslip
1 Month Bank Statement
Signed Pre-approval Form

Scheme Loan

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Requirements:

National Registration Card (NRC)
Bank Statement
Payslip

Order Financing

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Requirements:

NRC of all Directors
Company Registration Documentation
Form 5 or 125 (Limited Company)
6 Months Latest Bank Statements
Financial Statements
Company Profile or Business Model
Copy of Order
Quotation of Goods
Collateral

Working Capital

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Requirements:

NRC of all Directors
Company Registration Documentation
Form 5 or 125 (Limited Company)
6 Months Latest Bank Statements
Financial Statements
Collateral:

Motor Vehicle:

White Book
Photos of Vehicle
Insurance Cover

Land Property:

Copy of Certificate of Title
Pictures of property
Valuation Report

Agri-Loan: Asset Financing

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Requirements:

Business plan or company profile.
Three years’ audited financial statements and recent management accounts.
Cash flow projections, projected income statements, and balance sheet for the financing period.
Proforma invoice for equipment or vehicle to be financed addressed to Lupiya.
Certified memorandum and articles of association.
Particulars of directors.
Annual returns and tax clearance.
VAT registration certificate.
Valid trading license.
Certified certificate of incorporation.
Tax identity number (TIN) document for the company.
Proof of income.

Get Started Today

Apply now and take control of your finances!

Minimum Tenure: 62 days | Maximum Tenure: 60 months | Maximum APR: 40%

Representative Example of a K1,000,000 SME loan over 12 months:

INTEREST RATE

2.5%

LOAN VALUE

K1,000,000

LOAN TERM

12 Months

TOTAL AMOUNT

K1,169,845.52

MONTHLY INTEREST

K97,487.13

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