Core Services

Lumifi offers six integrated financial services designed to address the full spectrum of capital needs for individuals and businesses. Loan tenors range from 30 days to 24 months, depending on product and client profile. Facility sizes are structured to client capacity following a full credit assessment.

Short Term Financing

Structured short-term loans for individuals and businesses with urgent capital needs.

Salary Backed Loans

Dedicated facility for salaried employees with confirmed monthly income.

We finance confirmed purchase orders to help businesses execute contracts without upfront capital.

Order Financing

• Tenors: 30 days to 12 months

• Fast processing decision within 48 hours

• Flexible repayment schedules

• Transparent, all-in pricing with no hidden fees

• Repayment aligned to salary cycle

• Competitive rates for verified employees

• Quick turnaround for qualifying applicants

• Available to government and private sector staff

• Enables delivery of large contracts

• Facility released against confirmed PO

• Supports business growth and capacity

• Suitable for contractors and suppliers

Invoice Financing

Early access to funds tied up in unpaid invoices improving cash flow without debt.

• Advance against verified invoices

• Reduces the impact of late payment

• Supports continuity of operations

• Available to SMEs with trade debtors

Asset Financing

Financing of productive assets to support business operations and growth.

• Finance for vehicles, equipment, and machinery

• Tenors structured to asset useful life

• Available to businesses and individuals

• Repayment aligned to income/revenue cycles

A. FINANCING SERVICES

B. SUPPLY OF GOODS & CONSUMABLES

Lumifi supplies a range of essential goods and industrial consumables to businesses, institutions, and government entities across Zambia. We operate as a registered vendor and procurement partner, capable of responding to tenders, purchase orders, and framework supply agreements.

C. CONSULTANCY & ADVISORY SERVICES

Lumifi provides professional consulting and advisory services to businesses, NGOs, and institutions seeking structured support in financial management, business development, and strategic planning.

Stationery & Office Supplies

Mining Chemicals & Reagents

Equipment & Machinery

Supply of stationery, office consumables, and printed materials to corporate and institutional clients.

• Bulk and periodic supply contracts

• Branded and custom-printed materials

• Competitive pricing on all major stationery items

• Delivery to offices, schools, NGOs, and government departments

Other Industrial & Industrial Consumables

Financial Advisory

Holistic financial advice to support sound business management and sustainable growth.

• Business structuring and financial planning

• Growth strategy development

• Financial management review and reporting

• Tailored to SME and entrepreneur needs

Investment & Capital Advisory

Business Development Consulting

Strategic guidance on capital allocation, treasury management, and financial structuring.

Practical advisory support to help businesses grow, diversify, and access new markets and opportunities.

• Capital allocation strategies

• Treasury bills and bond guidance

• Portfolio structuring and optimisation

• Available to institutional and high-net-worth clients

• Tender preparation and bid management support

• Vendor registration and procurement readiness

• Partnership and joint venture structuring

• Market entry and expansion strategy

• Vehicle hire management and frameworks

• Cross-border freight facilitation

• Logistics cost optimisation

• Suitable for NGOs, contractors, and corporates

Transport & Logistics Advisory

Advisory support for transportation management, fleet operations, and logistics structuring.

Supply of chemicals, reagents, and technical consumables to the mining and industrial sector.

• Frothers, collectors, flocculants, and process chemicals

• Explosives accessories and blasting consumables (where licensed)

• Compliant sourcing and handling protocols

• Supply to mines, contractors, and processing plants

Supply and sourcing of equipment, tools, and industrial machinery for operational and project use.

• Light and heavy equipment supply

• Dry hire and wet hire options available

• Project-based and long-term supply arrangements

• Includes compactors, generators, lifting equipment, and more

Sourcing and supply of specialized consumables across sectors including construction, agriculture, and energy.

• Personal Protective Equipment (PPE)

• Cleaning and hygiene products

• Agricultural inputs and supplies

• Fuel, lubricants, and operational consumables