★★★★★
“Nacita apply pa Monday, by Wednesday ndalama zafika. Team ya Gracimor yalinso bwino pa customer service.”
Chanda M.
Market Trader, Lusaka
Zambia's trusted collateral lender since 2025
GRACIMOR LOANS
Instant Loan Approval.
we provide fast, collateral-backed loans that help individuals and businesses grow.
Start your loan application
Fill this quick form and our team will contact you shortly.
Up to K1000,000
Approval in 48 Hours
Rates from 6.0% p.a.
Collateral-Backed
About Us
We make lending simple, honest and fast.
At Gracimor we provide tailored lending solutions with a focus on clarity and service. Whether you're scaling a business or financing a life milestone, our team delivers fast underwriting and transparent support.
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Transparent fees & terms
No hidden charges. What you see is what you pay.
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Online application in minutes
Complete your application from any device, anytime.
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Dedicated account managers
A real person guides business loan clients from start to finish.
K2.4B+
Total Loans Funded
98%
Satisfaction Rate
Client Voices
What our customers say
Real feedback from business owners and families we’ve supported across Zambia.
★★★★★
“The process was transparent from day one. No hidden fees, no confusion — just clear terms and fast support.”
Peter K.
SME Owner, Ndola
★★★★★
“Ba Gracimor balicita bwino sana. Nshakwete ubwafya pa repayments pantu balipela bwino ama terms before natampa.”
Mutale B.
Salon Owner, Kitwe
★★★★★
“Ndalama zatithandiza ku restock pa shop quickly. What I liked most is they keep you updated at every stage.”
Agness L.
Retailer, Kabwe
★★★★★
“I was nervous at first, but they explained collateral requirements in simple language. Very professional team.”
Brian S.
Contractor, Chingola
★★★★★
“Nifwebo twalishibukila business yesu ku support ya Gracimor. Balasambilisha no kutufwilako mpaka twamaliza process.”
Ruth N.
Boutique Owner, Livingstone
What We Offer
Our Loan Product
A single, straightforward collateral-backed loan designed for individuals and businesses who need capital fast.
Collateral Loan
Loan Amount
Up to
K1000,000
Rates starting from 6.0% p.a.
- Collateral: property, vehicle, equipment
- Repayment: 6 – 60 months
- Approval within 48 hours
- You retain ownership of your asset
- Dedicated relationship manager
Estimate repayment
Loan Calculator
K500,000
K10,000K1000,000
24 months
6 mo60 mo
6.0%
6%30%
Monthly Repayment
K0
Total Repayable
K0
Get in Touch
Email
Let's talk about your loan
Fill in the form and one of our lending specialists will reach out within one business day. No obligations, no hidden fees.
Head Office
No 2882/B/5/10 Mission Drive, Lusaka.
Phone
+260 77 743 8353 / +260 76 929 1794
info@gracimorloans.com
Founder & CEO
Fashion Sakala Junior
Meet our CEO, Fashion Sakala Junior. He founded and launched Gracimor Properties and Gracimor Loans in Lusaka, Zambia, in June 2024. Driven by gratitude and a deep commitment to uplifting his homeland, Sakala combines athletic discipline with sharp business acumen, propelling Gracimor toward a future of excellence and lasting impact.
Ready to take the next step?
Start your application today and get a decision within 24 hours. No obligations, no surprises.