BM CAPITALFinancial Services

BM Capital · Zambia

Financial Solutions.
Built Around You.

All loans are collateral-based. We accept MacBooks, laptops, smartphones and iPhones only.

  • Clear written terms
  • Personal & business lending
  • All loans collateral-based
  • Loans in Zambian Kwacha

How It Works

Four steps. Complete clarity.

A straightforward process, with every term explained before you commit.

  1. 01

    Apply

    Tell us what you need through our enquiry form or by speaking with our team.

  2. 02

    Assessment

    We review your documents, income and the MacBook, laptop, smartphone or iPhone offered as required collateral, and discuss options with you.

  3. 03

    Agreement

    You receive the full terms in writing — amount, repayments and all costs — before you sign.

  4. 04

    Disbursement

    Once signed, funds are released to you through the agreed payment channel.

Accepted Collateral

Secured by the devices you already own.

Every BM Capital loan is collateral-based. We accept four categories of device, each subject to inspection, verification and valuation.

  • MacBooks
  • Laptops
  • Smartphones
  • iPhones
  1. 01

    Physical inspection

    Every device is examined in person to confirm its condition and working order.

  2. 02

    Ownership verification

    You provide proof that the device is legally yours, such as a receipt or purchase record.

  3. 03

    Valuation

    We assess the device's value, which informs the loan amount we can offer.

Collateral Marketplace

Quality assets, carefully presented.

Browse MacBooks, laptops, smartphones and iPhones offered through BM Capital, with sample asking prices in Kwacha.

View marketplace
MacBookMacBooksSample listing

MacBook

  • Apple laptop
  • Silver finish
  • Illustrative device

Asking price

K 18,500

LaptopLaptopsSample listing

Laptop

  • Everyday computing
  • Black finish
  • Illustrative device

Asking price

K 8,500

SmartphoneSmartphonesSample listing

Smartphone

  • Android smartphone
  • Black finish
  • Illustrative device

Asking price

K 4,500

Executive desk with leather portfolio and fountain pen

Our commitment

No surprises. Every cost in writing, before you sign.

Why BM Capital

Institutional standards. The care of a partner.

We believe borrowing should feel considered, not rushed. That means honest conversations, clear documents and a service that respects your time.

Clear, written terms

Every cost, date and condition set out in plain language before you commit.

Discreet, respectful service

Your circumstances are handled privately and professionally at every step.

Solutions, not templates

Facilities structured around your income, your assets and your goals.

Built for Zambia

Loans denominated in Kwacha, with an understanding of local realities.

FAQs

Questions, answered plainly.

Can't find what you're looking for? Our team is happy to talk you through it.

Ask a question

Individuals and businesses in Zambia may apply. Eligibility depends on the loan type, your documents, your ability to repay and the required device collateral. All loans are collateral-based; we accept MacBooks, laptops, smartphones and iPhones only. Our team will explain the requirements for your specific case.

Begin the conversation

Your next move deserves considered capital.

Speak with our lending team about a facility shaped around your plans.