★★★★★
“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 2024
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.
Takes about 2 minutes
Your information is secure & kept strictly confidential.
Up to K1,000,000
Approval in 48 Hours
Rates from 10% Flat
Collateral-Backed
Simple Process
How It Works
Get your collateral-backed loan in three straightforward steps. No lengthy paperwork, no surprises.
Apply Online
Fill our quick 3-step form with your personal details and collateral information. Takes about 2 minutes.
Get Approved
Our team reviews your application within 48 hours and contacts you to confirm your loan terms and collateral valuation.
Receive Funds
Once approved, funds are disbursed directly to your account. No hidden fees, no surprises — just capital when you need it.
Start Your Application
No obligation — our team will walk you through everything.
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.
Why Choose Us
Zambia's Trusted Collateral Lender
We combine speed, transparency and local expertise to get you funded — without the red tape.
500+
Loans Disbursed
48 hrs
Average Approval Time
98%
Client Satisfaction Rate
K1M+
Capital Deployed
Transparent Terms
No hidden fees. You see every charge before you sign — flat rates, clear repayment schedule.
Fast Decisions
Our team reviews applications and responds within 48 hours — often same day for straightforward cases.
Dedicated Manager
Every client gets a personal relationship manager who guides them from application through to disbursement.
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, Lusaka
★★★★★
“Ba Gracimor balicita bwino sana. Nshakwete ubwafya pa repayments pantu balipela bwino ama terms before natampa.”
Mutale B.
Salon Owner, Lusaka
★★★★★
“Ndalama zatithandiza ku restock pa shop quickly. What I liked most is they keep you updated at every stage.”
Agness L.
Retailer, Lusaka
★★★★★
“I was nervous at first, but they explained collateral requirements in simple language. Very professional team.”
Brian S.
Contractor, Lusaka
★★★★★
“Nifwebo twalishibukila business yesu ku support ya Gracimor. Balasambilisha no kutufwilako mpaka twamaliza process.”
Ruth N.
Boutique Owner, Lusaka
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
K1,000,000
Rates starting from 10% flat
- Collateral: Vehicle, Land & Housing Property
- Repayment: 1 – 6 Months
- Approval Within 48 Hours
- You Retain Ownership of Your Asset
- Dedicated Relationship Manager
Estimate repayment
Loan Calculator
K100,000
K10,000K1,000,000
1 month
1 mo6 mo
10%
1 mo
10%
10%
2 mo
18%
18%
3 mo
28%
28%
4 mo
38%
38%
6 mo
48%
48%
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
Admin@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 48 hours. No obligations, no surprises.