Fast, secure and flexible loans for individuals and businesses across Zambia
Gold Vault Capital Limited is a 100% Zambian-owned institution providing personal and business loans with competitive rates, transparent terms and rapid disbursement. Whether you need short-term working capital, emergency funds or payroll advances, we deliver reliable financing that helps you grow.
About Gold Vault
Gold Vault Capital Limited (GVC) is a licensed and trusted money lending institution dedicated to providing fast, secure, and flexible financial solutions for urgent, short-term, medium-term, and long-term monetary needs.
We specialise in personal and business loans, built on competitive interest rates and clear, transparent terms. Gold Vault Capital Limited is 100% Zambian-owned and was established in November 2021, and has since grown into a trusted partner for individuals and businesses across the country.
Our Purpose
We exist to provide finances to businesses and ultimately help them grow.
Our Mission
To empower individuals and businesses with quick and reliable financial assistance while maintaining ethical lending practices, transparency, and customer satisfaction — improving standards of living and increasing value for our stakeholders.
Our Vision
To be the most preferred money lending service provider by offering hassle-free loans that give access to a full range of financial support.
Our Core Values
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Transparency
No hidden charges, clear loan terms
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Speed
Quick approval and disbursement
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Integrity
Ethical and responsible lending
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Innovation
Driving growth and competitive advantage
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Customer-Centric
Personalised service and support
BUSINESS LOANS
We offer different loan products to companies who provide services and goods by helping them cover costs associated with operations.
Invoice Discounting
For businesses that supply goods and services to corporates and need an advance against amounts payable, to meet short-term needs.
Order Financing
SMEs with proven track records and regular cash flows may qualify for a short-term working capital loan repayable over 90 days.
Requirements:
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PACRA documentation
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Directors' KYC
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12 months' bank statements
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Copies of orders, invoices, and supply contracts
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Acceptable security
PERSONAL LOANS
Gold Vault Capital Limited provides different loan products to individuals in society.
Non-Payroll Loans
Short-term loans for individuals in employment or with proof of regular income — ideal for emergencies such as school fees, medical bills, acquiring assets, building projects, and other unforeseen expenses.
Requirements:
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KYC documents for applicant
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Proof of regular income
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3 months' bank statement
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No adverse information on CRB report
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Security
Payroll Corporate Loans
Short-term facilities for employees of companies with a Memorandum of Understanding (MOU) for payroll deduction loans. Funds are disbursed within 24 hours of a duly signed application, and repayments are collected via monthly payroll through the employer.
Requirements:
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NRC
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One latest payslip
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Year-round tax advice
Our Clients
We proudly serve individuals, entrepreneurs, SMEs, and established businesses across Zambia with flexible financial solutions tailored to their unique needs.
Individuals & Salaried Employees
We provide personal loans and salary advances to employed individuals seeking quick, affordable, and reliable financial support.
Small & Medium Enterprises (SMEs)
Supporting growing businesses with working capital, business loans, and financing solutions that drive expansion and operational success.
Contractors & Suppliers
Providing financing for suppliers and contractors to fulfill purchase orders, execute contracts, and manage project cash flow effectively.
Corporate Businesses
Helping established companies improve cash flow through invoice discounting, order financing, and customized business financing solutions.
Why Choose Us
Employer Partnership
We work with employers to ensure the financial needs of employees are met.
Licensed & Regulated
Fully compliant with local financial laws.
Fast Approval
Minimal paperwork, quick processing.
Competitive Rates
Affordable interest with flexible repayment.
Confidentiality
Secure and private transactions.
Customer Support
Dedicated assistance every step of the way.
What business owners say's about corporate services
Many businesses want an accurate projection of their finances. This service will help set your business up for success.
” Gold Vault Capital made the financing process simple and straightforward. Their team was professional, responsive, and guided us through every step. “
“The support we received helped us meet an important business need on time. Gold Vault Capital provided a practical financing solution that worked for us.”
“I appreciated how clear and transparent the process was. The team took the time to understand my needs and provided the financial support I needed.”
“Working with Gold Vault Capital gave our business the financial flexibility we needed to move forward with confidence. Their service was professional from start to finish.”
“The team was helpful, professional, and easy to work with. I received personalised support throughout the financing process.”
Year of experience
Established
Financing Categories
Zambianed Owned
Latest News & Insights
Explore the latest GVC updates, financial tips, and insights designed to support your financial growth.
How Invoice Discounting Can Help Improve Your Business Cash Flow Maintaining healthy cash flow is essential for the day-to-day operation and growth of any business. However, businesses that supply goods or services on credit may sometimes have to wait weeks or months...
Welcome to Gold Vault Capital Limited At Gold Vault Capital Limited (GVC), we believe that access to the right financing can create opportunities, solve immediate financial challenges and support sustainable growth. Established in November 2021, Gold Vault Capital...
Contact Us
Ready to take the next step? Reach out to the Gold Vault Capital team today.
Head office
West Wing, 2nd Floor, Corner Office, Mukuba Pension House, Kitwe.
Email us
info@goldvaultcapital.co.zm
Call us
+260 777 281465
+260 767 761235
Send us a message
Please fill out this form and someone will get back with you shortly.
General support
If you have any questions or suggestions, is please don’t forget to contact.
Office hours
Daily: 9.30 AM–6.00 PM (Sunday & Holidays: Closed)
Financial support
If you have any questions or suggestions, is please don’t forget to contact.