FAQs

faqs

Frequently Asked Questions (FAQ) – CapitalHub Financial Services

At CapitalHub Financial Services, we strive to provide clear and transparent information to help you make informed financial decisions. Below are some frequently asked questions to guide you through our services.

What types of loans do you offer?

We offer a variety of loan products, including:
✔ Personal Loans – For emergencies, education, and personal expenses.
✔ Business Loans – To support startups and SME growth.
✔ Payroll Loans – Salary-backed loans for employees.
✔ Order & Invoice Financing – Get funding for confirmed orders or unpaid invoices.
✔ Home Loans – Affordable financing options to help you own a home.
✔ Cash Advance Loans – Short-term loans for urgent financial needs.

Who is eligible to apply for a loan?

Our loans are available to:
✔ Business owners and entrepreneurs.
✔ Salaried employees (for payroll loans).
✔ Individuals with verifiable income sources.
✔ SMEs and startups looking for capital support.

How do I apply for a loan?

You can apply for a loan by:
📍 Visiting our office at Plot 3668, Kwacha Road, Olympia Park, Lusaka.
🌐 Applying online at www.capitalhub.co.zm.
📞 Calling or WhatsApping us at +260 977 217 523.

Our loan officers will guide you through the application process and requirements.

What happens if I miss a payment?

We understand that financial situations can change. If you are unable to make a payment:
✔ Contact us immediately to discuss alternative repayment options.
✔ Late payments may result in penalties or affect future borrowing eligibility.
✔ We offer structured repayment plans to help you stay on track.

What documents do I need to apply?

Required documents may vary by loan type, but generally include:
✔ National Registration Card (NRC)
✔ Proof of Income (Payslip or Business Financials)
✔ Bank Statements (last 3-6 months)
✔ Proof of Residence (Utility Bill or Rental Agreement)

Additional documents may be required depending on the loan product.

How long does loan approval take?

⚡ We process loans quickly! Depending on the loan type, approval can take as little as 24-48 hours after submitting all required documents.

For some loans, like payroll or cash advances, disbursement can be instant once approved.

What are your interest rates?

Our interest rates are competitive and affordable, varying based on the loan type and repayment period.
✔ Standard rates start at 20%, but we customize rates based on loan amount and risk assessment.

For a personalized quote, contact our team today!

Can I repay my loan early?

Yes! We encourage early repayments, and there are no penalties for settling your loan early.
✔ Early repayment may even qualify you for better terms on future loans.