Two ways Avesta
helps you get going
Short-term lending when cash is what you need, and IT support when it is the technology holding you up. One company, two things we do properly.
Also need a computer, network or camera sorted? Visit Avesta Consulting → ← Switch service
Our Interest Rates
Simple, transparent rates — no hidden fees
What Would You Like to Do?
Click a card below to get started
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
Earning or holding value in another currency? Use the currency converter →
IT Services for Business
Alongside lending, Avesta provides IT support to businesses and homes across Zambia. Websites, databases, data work, cybersecurity and training are delivered wherever you are; on-site work covers the Copperbelt and Lusaka, and the rest of the country by arrangement.
Computer Repair & Maintenance
Diagnostics and repair for desktops and laptops, plus servicing to keep machines running.
Windows & Software Installation
Operating system installs, reinstalls and licensed software set up properly the first time.
Networking & Wi-Fi Setup
Wired and wireless networks for homes and offices, including routers, switches and access points.
Printer & Scanner Setup
Installation, sharing across a network, and sorting out the drivers nobody else can.
Website Design & Development
Sites built to work on the phones your customers actually use, on the connections they actually have.
Database Management
Design, setup and upkeep, so your records stay organised, searchable and safe.
Data Entry & Data Analysis
Getting information into a usable shape, and turning it into something you can make decisions from.
Data Protection, Backup & Recovery
Backups that are tested, and recovery when something has already gone wrong.
CCTV Installation & Maintenance
Camera systems installed, configured and serviced, with remote viewing where you need it.
Cybersecurity
Firewalls, endpoint protection and hardening — practical security for small organisations.
IT Training & Consultancy
Training your staff can follow, and advice before you spend money rather than after.
G.I.T — Avesta IT Assistant
Describe the problem and we will give you the checks worth trying first. If it needs a technician, we will say so rather than waste your time.
This is an automated guide, not a technician. It does not see your machine and cannot know everything. For anything urgent, call 0769 974 200.
G.I.T — Avesta IT Assistant
Describe the problem and I will tell you what it usually is, and what is safe to try before anyone comes out.
Straightforward answers, written by us. Nothing here will tell you to delete or format anything. If it is not something to fix yourself, it says so.
Tell us what you need
We will come back with what it takes and what it costs, before any work starts.
Need any of this sorted?
Tell us what is broken, or what you are trying to set up. We will tell you what it takes before any work starts.
Currency Converter
Convert the Zambian kwacha against every major world currency. Useful if your income, collateral or invoices are valued in foreign currency.
Indicative rates only. Banks and bureaus set their own spread, and Avesta lends and collects in Zambian kwacha.
AVESTA ENTERPRISES — LOAN AGREEMENT
Effective Date:Know what you need before you start
Your progress is saved on this device. You can review every figure before signing.
For loans longer than 4 weeks (1 month), interest increases by an additional 5% for every extra week — e.g. 5 weeks = 35%, 8 weeks = 50%.
Choose one repayment schedule to see the payment count and amounts. The monthly option uses four-week intervals, with the final payment due at the end of the term.
Late-charge illustration: the fields above use 7.5% of the scheduled total repayment for each week entered. This example does not account for partial payments or the grace period. Your signed agreement confirms any actual late charges.
Upload clear photos or scans. Accepted: JPG, PNG, WebP, PDF (max 8 MB each).
National Registration Card
National Registration Card
Optional supporting documents
Upload only documents relevant to your application. A recent payslip or bank statement can support your income details; you do not need to upload the same document twice. Security documents are requested when you choose that security arrangement.
photograph (colour)
(most recent month)
(previous month)
any proof of income
statement (PDF or photo)
showing your address
(Step 1 if applicable)
(Step 1 if applicable)
✱ Both sides of your NRC are mandatory. The passport photo and other documents are optional but help speed up your approval. All files are kept securely.
Please check everything below carefully. Click "Edit" next to any section to make changes before signing.
6.1 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.
6.2 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.
6.3 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.
6.4 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.
6.5 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.
6.6 Amendments — Any modification to this Agreement must be made in writing and signed by both Parties to be valid and enforceable.
6.7 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.
Please sign using your finger or mouse in the box below. By signing, both Parties agree to be bound by the terms and conditions of this Loan Agreement.
Avesta Enterprises
Avesta Lending is a micro-lending business in Ndola, providing fast, fair, short-term finance to individuals and small businesses across the Copperbelt. Since our founding we have helped hundreds of clients in Ndola and across the Copperbelt 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 and reaching across Zambia, we exist to serve the communities we work in. 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.
Where we work. Lending is available to anyone in Zambia — apply online, and disbursement and repayment run through mobile money or bank transfer, so distance is no obstacle. IT work that can be done remotely — websites, databases, data work, cybersecurity, training and advice — reaches anywhere in the country. On-site work such as repairs, networks and CCTV covers the Copperbelt and Lusaka as standard, and anywhere else in Zambia by arrangement.
Phone
Office
House No. 3, Thom Avenue
Kansenshi, Ndola, Zambia
Staff Access
Enter your staff PIN to view borrower records
Authorised Avesta Enterprises staff only