Siwanzi Capital is a digital-first Microfinance Institution (MFI) dedicated to closing the $2 Billion MSME credit gap in Zambia. 

We believe that the engine of Zambia’s 8th National Development Plan (8NDP) is the small-scale entrepreneur, the market queen, the tech-founder, and the agri-processor.

What We Do: By moving beyond traditional "Collateral-First" banking, Siwanzi utilizes Alternative Credit Scoring and Mobile Money Integration to provide fast, fair, and flexible capital to those often left behind by legacy financial systems. We transform mobile transaction history into a bridge for growth.

Why Siwanzi Capital?
•	Instant Accessibility: Our digital workflow allows for credit assessments and disbursements within 24 hours.
•	Impact-Driven: We prioritize job-creating MSMEs, with a focus on female-led enterprises and sustainable business practices.
•	Transparent Ethics: No hidden fees, no predatory tactics. Just a partnership built on mutual growth and financial literacy.
•	Regulatory Alignment: We operate in strict compliance with the Bank of Zambia (BoZ) guidelines, ensuring the highest standards of financial integrity.

Our Vision: To empower 10,000+ Zambian businesses by 2027, moving them from "Unbanked" to "Credit-Ready" and fostering a more inclusive, digital economy.

Let’s Build the Future Together. Whether you are an entrepreneur ready to scale or an investor looking for high-impact growth in the African fintech space, we’d love to connect.

Siwanzi Capital

Org chart

Teams

Offices