A clearer kind of lender
Progress begins with good intention.
We exist to make borrowing simpler, more transparent and more human for Zambians ready to move forward.
Mission & vision
"We are intentional to offer you affordable loans."
"To reshape local and global financing."
What we offer
Our loan products.
Collateral Backed Loans
Finance secured against qualifying assets for larger, longer-term borrowing needs.
Salary Backed Loans
Loans assessed against verified salary income for salaried applicants.
Business Loans
Working capital and growth finance for established entrepreneurs.
Our beginning
Built to put clarity back into credit.
Intent Lending began in 2020 with a straightforward belief: people make better financial decisions when the process is clear, respectful and designed around their reality.
That principle continues to shape the way we assess applications, explain terms and support clients—whether someone needs a short bridge, a shared family plan or capital to grow a business.
Explore our solutions →What guides us
Core values & rules of conduct.
Not a list on a wall. A practical standard for every conversation, decision and agreement.
Integrity
We shall undertake our business with straightforwardness and honesty.
Confidentiality
We shall not divulge confidential information unless under court order.
Professional Behaviour
We shall not do anything that discredits the company and the financial sector.
Respect
We shall treat all our stakeholders (including customers) with utmost respect.
Excellence
We shall commit to offer an excellent service with a smile and by limiting the complaints.
Innovation
We shall always strive to find better ways of doing business.
Teamwork
We shall strive to employ the principle of two are better than one.
Our promise
Modern finance. Human judgment.
Technology should remove friction, not remove people. Our online experience makes it easier to apply and track progress, while our team remains available when context and conversation matter.
Simple digital access
Apply online from wherever you are, using a secure account.
Clear, personal communication
Know what is required, where your application stands and what comes next.
Long-term relationships
We aim to be the financial partner clients return to as their intentions grow.
People firstService is part of the product.
Our direction
A stronger financial future, built together.
Our vision is to become Zambia's most trusted partner for accessible, responsible lending—helping more people turn careful plans into real progress.
01
Access
Broaden practical access to finance through straightforward digital experiences.
02
Confidence
Give clients the information and support to make sound borrowing decisions.
03
Impact
Finance homes, education, resilient families and growing Zambian businesses.