Drag

Welcome to Zeroth Business Solutions

Tailored To Achieve Your Ambitious Objectives And Goals

🌱 Agricultural Services ⚙️ Brokerage Services 💰 Financial Services

Explore Our Services

🌱 GROUND

Agricultural services

Agricultural Services

α • Farming • Produce • Livestock

▼

IN-BETWEEN

Brokerage services

Brokerage Services

β • Stocks • Education • Insurance • Trading • Entertainment

▼

ZBS-Stocks Application

Apply to purchase shares in Zeroth Business Solutions or affiliated companies

💰 SKY

Financial services

Financial Services

γ • Loans • Savings • Investments • Betting

▼

About Zeroth Business Solutions

Zeroth Business Solutions Limited is an integrated company which tailors its services and products to achieve people's ambitious objectives and goals through its all-around business avenues broadly categorized as Agricultural, brokerage and financial services.

Our Vision

To foster sustainable development through meaningful solutions and innovations.

Our Mission

To fulfil the goals and objectives of the people and become a preferred effective solution provider.

Our Motto

"Uplifting and sustaining lives."

Core Values

Accountability Entrepreneurial Innovation Integrity Ingenuity Facilitation Trust Simplicity Courage

Keys to Success

Maintain consistency and integrity | Deliver products and services promptly | Work with customers at a personal level | Sell good quality and guaranteed products | Employ an innovative management and technical team

Quality Policy

We are fully committed to ensuring all our products and services meet or exceed our customer's expectations.

Safety, Health & Environment

The safety of our workforce is the most important aspect of our business, no exception.

Management & Administrative Team

Meet our dedicated leadership team driving excellence

V.L.Matongo

V.L.Matongo

Founder/CEO

L.Hangwemu

L.Hangwemu

1st Director

D.Matongo

D.Matongo

2nd Director

Patricia Zulu

Patricia Zulu

1st Secretary

Queen Muleya

Queen Muleya

2nd Secretary

Carol Chityamba

Carol Chityamba

HR Manager

James MHoswa

Operations Manager

Board of Trustees

Guiding our mission with wisdom and integrity

Richard Mwinga

Chairperson

K.Chimfwembe

Vice Chairperson

Benjamin Banda

Benjamin Banda

Trustee - Financial

Martin Banda

Trustee - Legal

Mambwe Chama Victor

Trustee - Community

Platform Statistics

Trusted by thousands across the World

3 Core Services

1M+ Clients

250+ Services

4.8★ Rating

15+ Countries

5K+ Loans

ZBS Lever & Fulcrum

AD1

AD2

AD3

AD4

AD5

AD6

AD7

AD8

AD9

AD10

AD11

AD12

AD13

AD14

AD15

AD16

AD17

AD18

AD19

AD20

AD21

AD22

AD23

AD24

AD25

AD26

AD27

AD28

AD29

AD30

Join our growing network of partners

Application Form

Applying to: —

Personal Information

Surname *

First Name *

Other Names

Date of Birth *

Sex *

Marital Status

Nationality *

ID / Passport Number *

Profession

Home Address

Country *

Postal Address

Your Phone Number *

Email Address *

Parent / Guardian Information

Name of Parent / Guardian

Telephone Number

Email Address

Education Record

Year Completed Primary

Year Completed Secondary

Schools / Colleges Attended

School / College	Level	Year	Certification

Programme Selection

First Choice *

Second Choice

Third Choice

Financial Information

How do you intend to finance your studies? *

Sponsorship Friends Self Family Business Loan Other

Any anticipated financial challenges?

I have communicated to my family.

I need a letter from the school to help source funds.

Name of Recruitment Agent

Attachments & Declaration

Two (2) passport-size photos
Certified results
Copy of NRC / Passport

I confirm I will submit the above attachments. *

I declare that all information provided is true and correct. *

Palm@Financial Service ZBS

Our Services

Savings Account High-yield · 10% p.a.

Salary Advance Up to 70% of monthly salary

Vehicle Financing New & used cars · 5.8% p.a.

Food Wallet Loans Grocery credit · repay in 30 days

Group Loans Chama & cooperatives · from 4% p.m.

Emergency Loans Same-day cash · up to ZMW 5,000

Mortgage Loans Fixed & variable · 4.2% p.a.

Investment Advisory Portfolio management · 6.1% p.a.

Credit Cards Rewards & low APR · from 7.5%

Select a service to learn more

Click any tile above to see its description, eligibility, rates — and jump to its full terms & conditions below.

Loan Calculator

Loan type

Loan amount (ZMW)

Term (years)

Monthly payment ZMW 0

Terms & Conditions by Loan Type

Expand any section to read the full terms. Clicking a service tile above jumps to the matching section.

Savings Account — Terms

Minimum opening balance: ZMW 100. Minimum ongoing balance: ZMW 50.
Interest accrues daily and is paid on the last working day of each month at 10% p.a. (indicative — may vary).
Withdrawals above ZMW 20,000 require 48 hours' written notice to allow liquidity provisioning.
Accounts with no customer-initiated transaction for 12 consecutive months become dormant and attract a ZMW 15 monthly dormancy fee.
Reactivation requires valid ID and proof of residence.
ZBS is not a deposit-taking bank; savings are held with partner banks and covered under their deposit-protection schemes.

Salary Advance — Terms

Eligibility: employed for 6+ months, salary paid into a bank account, age 21–60.
Maximum advance: 70% of monthly net salary, capped at ZMW 25,000.
Repayment: single deduction on next payday or in up to 3 instalments at 4% p.m. flat.
Latest payslip, employment letter and 3 months' bank statements are required.
Only one active Salary Advance per borrower at any time.
Borrower authorises employer payroll deduction and signs a deduction-authority form.
Late payment fee: ZMW 200 + 2% of overdue amount, plus credit-bureau reporting after 30 days.

Vehicle Financing — Terms

Deposit: minimum 10% of vehicle price; maximum financed amount ZMW 500,000.
Interest: 5.8% p.a. fixed for the term; term 12–60 months.
Comprehensive insurance is mandatory for the full term; ZBS to be named as loss-payee.
The vehicle registration book / logbook is retained as security until final settlement.
Early settlement: allowed after 6 months, 2% early-settlement fee on the outstanding principal.
Vehicle may not be sold, exported or re-financed without written consent.
Missed payments: 30 days' grace; thereafter repossession proceedings may commence.

Food Wallet Loans — Terms

Maximum per cycle: ZMW 2,000; limit replenishes after full settlement.
Purpose-locked: funds can only be used at approved grocery merchants.
Repayment term: 30 days from disbursement.
0% interest when repaid on or before due date; 5% late fee thereafter, plus daily accrual.
One active Food Wallet Loan at a time.
Three consecutive late repayments suspend the wallet for 90 days.

Group Loans — Terms

Minimum 5 members per group; each member must pass individual KYC.
Interest: 4% p.m. flat; term 6–24 months.
Joint and several liability: all members are liable for the whole loan, not just their share.
Group constitution and elected officials (chair, treasurer, secretary) required at application.
Loan decisions by group vote; disbursement to group bank account.
Failure by one member triggers a group-wide 30-day cure period before escalation.

Emergency Loans — Terms

Same-day disbursement, subject to verification of the emergency.
Maximum: ZMW 5,000 per occurrence; one per calendar quarter.
Term: 14 days; flat fee 8% of principal.
Valid proof of emergency required (medical report, funeral programme, police report, etc.).
No rollover — must be settled before another Emergency Loan can be issued.
Non-payment reported to credit reference bureau after 45 days.

Mortgage Loans — Terms

Interest: 4.2% p.a., variable — may be adjusted quarterly in line with the reference rate.
Term: 10–25 years; deposit minimum 20% of property value.
Property valuation by a ZBS-approved valuer; valuation fee borne by the borrower.
Life insurance and property insurance are compulsory for the full term.
Legal, stamp-duty and registration fees are payable by the borrower.
Property may not be sold, let or encumbered without ZBS's written consent until final settlement.
Early settlement: 3% early-settlement fee if within the first 5 years.
Default: legal action after 90 days; the property may be repossessed and sold.

Investment Advisory — Terms

Minimum capital to open a managed portfolio: ZMW 1,000.
Target return: 6.1% p.a. — indicative only, not guaranteed.
90-day lock-in period; early redemption attracts a 1.5% exit fee.
Quarterly statements; annual tax certificate provided.
Market risk disclaimer: capital is at risk, and past performance does not guarantee future results.
Advisory does not constitute a deposit or a bank guarantee.

Credit Cards — Terms

APR on revolving balance: 7.5% (variable); interest-free period up to 25 days.
Minimum monthly payment: 5% of statement balance or ZMW 100, whichever is greater.
Annual fee: ZMW 500, debited to the card on each anniversary.
Foreign transaction fee: 2.5%; cash-advance fee: 3.5% (min ZMW 40).
Late payment fee: ZMW 150 + 3% of overdue amount.
Card block applied after 60 days of non-payment; account reported to credit bureau.
Cardholder is liable for all transactions made before the card is reported lost/stolen.

Loan Application Personal

Part A: Personal Details

Surname

First Name

Other Names

Identity Card

NRC Driver's Licence Passport ID Number:

Gender

Male Female

Nationality

Cell phone number

Physical Address

Applicant Selfie (required for verification)

No selfie taken yet Click the camera button to take a selfie or start a video call

Next of Kin

Surname

First Name

Relationship

Phone Number

Nationality

Physical Address

Part B: Financial Details

Source of income

Employment Business

Employer / Business name

Bank

Branch

Amount applied for

Administrative charge

Amount received

Loan Amortization Schedule

Date	Payment



Total amount to be paid

Declaration & Checklist

ID card One Latest pay slip Latest 3 months Bank statement Proof of Residence *As per documents submitted to my company

Client Signature Client Name:

Agent Signature Agent Name/Code:

Animal Acquisition, Travel & Clearance Permit ZBS

ZBS

Zeroth Business Solutions Limited Tailored to Achieve your Ambitious Objectives & Goals in Financial, Brokerage & Agriculture Lever & Fulcrum · Uplifting & Sustaining Lives

6570, Mumana Rd, Olympia, Lusaka F/295a/b/5/F04, East Villa, Mazabuka Office: +260 97 905 2929 / 077 284 9845 [email protected] TPIN: 2409641624

Part A — Seller & Animal Details

From (Origin) *

To (Destination) *

S/N	Seller Name	NRC	Phone	Seller Photo	Animal Description	Animal Code	Animal Photo	Colour	Village	District	Province	Confirm	Date
1						Auto	Brand Mark					Pending

Part B — Clearance

Clearance Officer	Name	NRC	Phone	Animal Code No.	Village	District	Province	Aware / Ignorant	Date	Notify
Village Headman / Chief
Veterinary Officer
Police Officer

Part B2 — Veterinary Analysis Video

Shoot or upload a short video (max 30 s) of the animal(s) so the veterinary officer can inspect gait, coat, eyes, and any visible symptoms before clearance.

Accepted: MP4, MOV, WebM · Max 30 s · 50 MB. Stored on-device; not uploaded until you submit the permit.

Veterinary notes (optional)

Part C — ZBS Representative

ZBS Rep Photo *

ZBS Rep Name *

ZBS Rep Code

Date *