Easy Finance
When You Need It
Fast, flexible loans for individuals and businesses in Ndola and surrounding areas. Simple process, transparent terms, quick disbursement.
Our Interest Rates
Simple, transparent rates — no hidden fees
What Would You Like to Do?
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How It Works
Get your loan in three easy steps — no complicated paperwork, no hidden fees.
Fill Application
Complete the loan agreement form with your personal details, loan amount, and preferred repayment schedule.
Review & Approval
Our team reviews your application and collateral details. We'll contact you to confirm terms and finalise the agreement.
Receive Funds
Once signed, funds are disbursed via your chosen method — cash, bank transfer, or mobile money.
Loan Features
We offer straightforward, transparent lending with your needs in mind.
Quick Disbursement
Funds released promptly after agreement signing — cash, bank transfer, or mobile money.
Flexible Repayments
Choose weekly, bi-weekly, monthly or lump-sum repayment plans that suit your cash flow.
Secured Agreement
All loans are backed by a formal legal agreement signed by both parties for your protection.
Transparent Rates
Clear interest rates — 15% for 1 week up to 30% for 4 weeks. No hidden charges.
Collateral Accepted
Secure your loan with personal assets — giving you access to better terms and higher amounts.
Multiple Payment Methods
Receive & repay via Cash, Airtel Money, MTN MoMo, Zamtel, ZANACO, FNB, Stanbic and more.
Loan Calculator
Estimate your repayments before you apply. Click a duration tile to auto-set the rate.
Repayment Summary
AVESTA ENTERPRISES — LOAN AGREEMENT
Effective Date:Please upload clear photos or scans of the required documents. Accepted formats: JPG, PNG, PDF (max 5 MB each).
(front & back in one file)
photograph (colour)
(most recent month)
(previous month)
* All four documents are required before your application can be processed. Files are kept securely and used only for verification purposes.
5.1 Repayment Obligation — The Borrower agrees to repay the full loan amount plus interest according to the repayment schedule outlined in Section 3. Failure to make timely payments will result in the late fee specified above.
5.2 Default — If the Borrower fails to make any payment within the grace period, the entire outstanding balance shall become immediately due and payable. The Lender reserves the right to recover the outstanding balance through all available legal means.
5.3 Collateral — The collateral items listed in Section 1 are pledged as security for this loan. In the event of default, the Lender shall have the right to take possession of the collateral items to recover the outstanding balance.
5.4 Early Repayment — The Borrower may repay the loan in full at any time before the last payment date without penalty. Any early repayment shall be applied first to outstanding fees, then to interest, and finally to principal.
5.5 Governing Law — This Agreement shall be governed by the laws of the Republic of Zambia. Any disputes arising from this Agreement shall be resolved amicably or through the appropriate courts of Zambia.
5.6 Amendments — Any modification to this Agreement must be made in writing and signed by both Parties to be valid and enforceable.
5.7 Entire Agreement — This Agreement constitutes the entire agreement between the Parties and supersedes all prior discussions, representations, or agreements relating to the subject matter herein.
By signing below, both Parties agree to be bound by the terms and conditions of this Loan Agreement.
Avesta Enterprises
We are a trusted micro-lending company based in Ndola, Zambia, dedicated to providing fast, fair, and flexible financial solutions to individuals and small businesses. Since our founding, we have helped hundreds of clients in Kansenshi and across the Copperbelt region access the funds they need — when they need them most.
Our mission is simple: make lending easy, transparent, and accessible to every Zambian.
Trust & Integrity
Every loan agreement is clear and honest. No hidden charges, no surprise fees. We believe in building long-term relationships based on trust.
Speed & Convenience
We understand that financial needs are often urgent. Our streamlined process ensures you get a decision quickly and funds disbursed the same day.
Responsible Lending
We assess each application carefully to ensure repayment terms are manageable. We care about your financial wellbeing, not just the transaction.
Community Focus
Rooted in Ndola, we exist to serve our local community. Every loan we provide helps a neighbour meet a goal, solve a problem, or grow a business.
Our Story
Avesta Enterprises was founded with a clear vision: to bridge the gap between everyday Zambians and accessible finance. We noticed that many hard-working people were being turned away by large banks due to lengthy processes and rigid requirements. We set out to create a different kind of lending company — one that treats every client with dignity, moves fast, and keeps things simple.
Operating from our office on Thom Avenue in Kansenshi, Ndola, we serve clients from across the Copperbelt. Whether you need funds for a school fee, medical emergency, business stock, or home improvement — Avesta is here for you.
Office Hours: Monday – Saturday, 08:00 – 17:00 | Location: House No. 3, Thom Avenue, Kansenshi, Ndola | Phones: 0971 013 108 / 0769 974 200
Ready to Get Started?
Apply for a loan today — it only takes a few minutes and you could receive funds the same day.
Contact Us
Have questions about a loan? Reach out — we're happy to help.
Phone
Office
House No. 3, Thom Avenue
Kansenshi, Ndola, Zambia