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
Trefin Capital is a Zambian financial services company providing fast, reliable, and affordable loans to individuals and businesses.
We offer SmartDeduct (salary-backed loans), SurePay (collateral-backed personal loans), BizBoost (business loans), Pamo Loans (market trader loans), and Asset Financing.
Any eligible Zambian resident aged 18 years or older who meets the requirements for the selected loan product.
You can apply online, visit our office, or contact us by phone or WhatsApp. Our team will guide you through the application process.
Requirements vary by product but generally include a valid NRC, proof of income or business, and any supporting documents relevant to the loan.
Most applications are processed within 24–48 hours, provided all required information has been submitted.
No. Some products, such as SmartDeduct, are secured through salary deductions, while others may require acceptable collateral.
Repayments can be made through payroll deductions (where applicable), bank transfer, mobile money, or other approved payment channels.
Late repayments may attract additional charges and could affect your eligibility for future loans. Contact us immediately if you anticipate difficulties with repayment.
You can reach us by phone, WhatsApp, email, or by visiting our office during business hours