Welcome to the Zam Directory
Money Lending Institutions
Unity Finance
  • Making people’s lives easy with smart, simple financial solutions since 2006.
  • Established by experienced micro-financier Charles William Bernhardt.
  • Restructured in 2015 with the support of outside investors.
  • Operates exclusively in Zambia and ranks amongst the country’s top microfinance companies in terms of customer numbers.
  • Advances loans to private sectors as well as government employees.
  • Had 35 000 active customers as of December 2017.
  • Has a head office in Lusaka and 17 branches throughout the country.
  • Registered with the Bank of Zambia as a non-deposit-taking financial institution, and has a payroll deduction code with the government’s Payroll
  • Management and Establishment Control (PMEC) and Zambia Air Force (ZAF).
Madison Finance

Madison Finance Company Limited (MFinance) was established in 2004 and is a Deposit Taking Financial Institution that is regulated by the Bank of Zambia.


The company is a subsidiary of the Lawrence Sikutwa and Associates (LSA) group of companies, an indigenous conglomerate with interests in insurance (life & non-life), asset management (pension fund management, unit trusts, and stock broking), property development and business advisory services as well as tourism.


MFinance was granted a licence to operate as a deposit taking micro finance institution in August 2014 and is now taking deposits from corporates as well as individuals. MFinance also provides a wide array of loan products to micro, small and medium sized entrepreneurs as well as pay-roll backed financial products and services.


MFinance operates a 17-branch network across the country covering peri-urban and rural areas thus assisting to realise the Government’s goal of financial inclusion

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