Finance Your Growth.

Trefin Capital Limited is a Zambian financial services company providing accessible and flexible financing solutions to individuals and small and medium-sized enterprises (SMEs). We serve salaried employees, entrepreneurs, market traders and SMEs through tailored financing solutions designed to meet short-term needs, support business growth and facilitate the acquisition of essential assets. Our approach is simple: provide responsible financing, clear terms and dependable service.

About us

Licensed ZambianFinancial Services Company

Trefin Capital Limited is a Zambian financial services company committed to providing accessible, flexible and responsible financing solutions to individuals and small and medium-sized enterprises (SMEs).

 

We recognise that access to timely finance can make a meaningful difference. Whether it is meeting a short-term personal need, managing cash flow, growing a business or acquiring essential assets, the right financial support can help individuals and businesses move forward.

Our financing solutions are designed around the needs of our customers. We serve salaried employees, entrepreneurs, market traders and SMEs through a range of tailored products, including salary-backed loans, personal loans, business loans and asset financing.

At Trefin Capital, we believe that access to finance should be straightforward and transparent. We are committed to providing clear terms, responsive service and financing solutions that are suited to the needs and circumstances of our customers.

Our Value

Our Commitment to excellence in finance

01.

Integrity

We conduct our business honestly, ethically and transparently.

02.

Customer Focus

We seek to understand our customers and provide financing solutions that respond to their needs.

03.

Responsibility

We promote responsible lending and make financing decisions with care and sound judgement.

04.

Reliability

We aim to provide dependable service and honour the commitments we make.

Our
Vision

To be a trusted financial partner recognised for helping individuals and businesses unlock opportunities and grow.

Our
Mission

To provide accessible, flexible and responsible financing solutions that enable individuals and businesses to meet their needs, pursue opportunities and achieve sustainable growth.

LOAN PRODUCTS

Flexible loan products designed for every Zambian

Trefin SmartDeduct

Salary-backed micro loans for formally employed individuals with payroll deduction repayment and no collateral required

Trefin SurePay

Collateral-backed personal loans for salaried and self-employed individuals with fast approval and flexible repayment terms

Trefin BizBoost

Short-term SME financing for working capital, inventory, operational support, and business growth funding

Trefin AssetBoost

Asset financing solutions for SMEs seeking to acquire equipment, vehicles, machinery, and other productive business assets

Trefin Pamo Loan

Market trader and micro-business loans from K500 to K5,000 with daily or weekly repayment cycles for vendors and marketeers

GRZ Loans

Apply, track, and manage your GRZ loans entirely online through our customer portal at app.trefincapital.com

Frequently ASKED Questions