Pearls Business Services
About Us
Pearls Business Services offers microfinancing services, as a way of bridging the financial gap for the unbanked and underbanked populations.
We are a non-deposit-taking company geared towards enhancing the quality of life and business for its clients whilst leveraging on technology to provide sustainable financing solutions.
Pearls is a lender with a unique approach to credit financing focusing on SME’s in Zambia and Africa with a biased approach to women-led businesses.
Our Financial solutions are designed to make and measure on needs with your industry and needs in mind.
We envision a more financially inclusive society
Our Vision
To create an ecosystem where people and organizations can access financial solutions that help meet their goals.
Our Mission
To deliver affordable services,through superior customer experience and cutting edge innovative technology.
Our Brand Promise
- We respond to your needs within 24hours
- We will treat you with respect, professionalisms and flexibility
- We care about your Business
- Clients are our growth partners
Our Core Values
- Customer first with our Mantra (how can we help you!), customer satisfaction is a prerequisite to our success.
- Transparency – We pride ourselves in being a responsible and reasonable lender by communicating openly and transparently with our customers.
- To build long-term business relationships with all clients, open to feedback and suggestions for improvement.
Our Commitment
To build a sustainable brand that our clients can depend on by focusing on our growth through innovation and creating partnerships that enable us to create memorable customer experiences.
Our Services
SME Product Profile
Elavate your business to the next level!
Niche Financing Solutions
Green Loan
The Green Loan is designed to empower local firms in developing sustainability initiatives and enhancing their operational capabilities. This financing option supports businesses in adopting eco-friendly practices, which can lead to increased efficiency and new market opportunities.
Niche Financing Solutions
SME Asset Loan
The SME Asset Loan provides financing specifically for the automation, upgrading, and acquisition of new plants and machinery. This product is ideal for businesses aiming to modernize their operations and improve productivity.
Business Loans
Business Cash Flow Loan
The Business Cash Flow Loan is designed to provide operational cash flow support and facilitate long-term growth. These term loans are suitable for businesses looking to bolster their working capital and invest in strategic initiatives.
Business Loans
Order Financing
Order Finance is tailored for SMEs that require quick funding to fulfil customer orders. This product helps businesses manage their cash flow effectively, ensuring they can take on new orders without financial strain.
Here are answers to some key questions about our product portfolio
What is a Green Loan
The Green Loan is designed to empower local firms in developing sustainability initiatives and enhancing their operational capabilities. This financing option supports businesses in adopting eco-friendly practices, which can lead to increased efficiency and new market opportunities.
Who is a Green Loan for and what are some of its benefits?
Local SMEs looking to invest in sustainable projects, renewable energy, and environmentally friendly technologies.
Benefits:
-Access to funds for green initiatives.
-Enhancements in operational efficiency.
-Potential for increased market competitiveness.
What is an SME Asset Loan?
The SME Asset Loan provides financing specifically for the automation, upgrading, and acquisition of new plants and machinery. This product is ideal for businesses aiming to modernize their operations and improve productivity.
Who is the SME Asset Loan for and what are the benefits?
SMEs seeking to invest in machinery, equipment, or technology upgrades.
Benefits:
– Flexible loan terms tailored for asset purchases.
– Supports operational modernization and efficiency.
– Facilitates growth through enhanced production capabilities.
What is Order Finance?
Order Finance is tailored for SMEs that require quick funding to fulfil customer orders. This product helps businesses manage their cash flow effectively, ensuring they can take on new orders without financial strain.
Who is Order Finance for and what are its benefits?
SMEs with varying order sizes who need immediate funding to fulfil customer demands.
Benefits:
– Quick access to funds for order fulfilment.
– Improved cash flow management.
– Enhanced ability to scale operations based on demand.
What is a Business Cash Flow Loan?
The Business Cash Flow Loan is designed to provide operational cash flow support and facilitate long-term growth. These term loans are suitable for businesses looking to bolster their working capital and invest in strategic initiatives.
Who is a Business Cash Flow Loan for and what are the benefits?
SMEs needing financial support for day-to-day operations and long-term projects.
Benefits:
– Flexible repayment terms aligned with cash flow cycles.
– Supports both operational needs and growth initiatives.
– Helps stabilize financial operations during difficult periods.
FAQ
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Contact
Get In Touch
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Pearls Business Services
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