About Kalene Limited

We are a trusted and dependable Micro Finance Institution registered with the Ministry of Finance providing both consumer and business Loans that remain flexible and affordable to ALL our Customers within the Republic of Zambia. Our Team is customer centered and ready to serve you with dedication and transparency as we foster growth to both our external and internal Clients.

Our Vision

To improve the livelihoods of our clients through growth and affordable financing.

Our Mission

Kalene Lending and Investment Limited is a trusted and reliable loan company dedicated to serving the financial needs of individuals and businesses in Zambia.

Established on 21st January 2021, our company operates under the legal framework of the company's act No.388 of the Laws of Zambia and is regulated by the esteemed Ministry of Finance.

Kalene Limited Team

500+

Clients Served

$2M+

Loans Disbursed

95%

Satisfaction Rate

Business Financing Solutions

Specialized Loan Services

We offer tailored financial products designed to support your business growth and operational needs

Working Capital Loans

Working Capital Loans

Fund daily business operations
Manage cash flow gaps
Short-term financing solutions
Quick access to funds
Fixed Capital Loans

Fixed Capital Loans

Long-term asset financing
Equipment and machinery purchase
Property acquisition
Business expansion funding
Payroll Loans

Payroll Loans

Ensure timely salary payments
Seasonal workforce funding
Employee retention support
Flexible repayment terms
Invoice Discounting

Invoice Discounting & Order Finance

Unlock cash from unpaid invoices
Finance confirmed purchase orders
Improve working capital cycle
Credit protection options

Why Choose Us

Our Advantages

Discover why thousands of customers trust Kalene Limited for their financial needs

Quick Approval

Get loan decisions within 24 hours with our streamlined application process.

Competitive Rates

Enjoy some of the most competitive interest rates in the industry.

Secure & Confidential

Your personal and financial information is protected with bank-level security.

Flexible Terms

Customize your loan with repayment terms that fit your budget.

Dedicated Support

Our loan specialists are available to guide you through every step.

Trusted Lender

With over 15 years of experience, we've helped thousands achieve their goals.

How It Works

Simple Application Process

Getting a loan with Kalene Limited is quick and straightforward

1

Apply Online

Fill out our simple online application form in just a few minutes.

2

Get Approved

Receive a decision on your loan application within 24 hours.

3

Sign Documents

Review and sign your loan agreement electronically.

4

Receive Funds

Get your money deposited directly into your bank account.

Client Experiences

What Our Clients Say

Read authentic reviews from customers who have trusted Kalene Limited

M

Nadine Mutoni

Restaurant & Liquor Business Owner

"I started my dealings with Kalene in 2020 and since then, they have proven very helpful and indeed a supporting Institution without exploitative practices, every time I have accessed funds from them. Today I’m proud to grow with Kalene as I managed to expand my Business with one more outlet while my son is a whole Aviation specialist through the same partnership that has lasted us 5 Years”

S

Conrad Mubanga.

Sales Specialist – Madison Insurance

"Through endless support and financial advice received throughout my journey with Kalene I managed to turn a daughter into a University of Zambia graduate of Economics.” To say it all, I recommend Kalene”

R

Jean Claude Mugisho & Sifa Maombi.

Grocery Business Owner & Partners

"We're really impressed with Kalene Lending Institution. Their personal touch is what drew us to them. Staff at Kalene really take great care of us and treat us like family. The Institution’s culture of trust and care for their clients is exactly how we do business ourselves and every other focused business owner must do." We highly recommend Kalene.

Our Location

Find Us in Cario Road, Lusaka

Convenient and flexible loan solutions designed to give you quick access to funds when you need them most, helping you manage your goals with ease.

Visit Us

Address

Provident House, Cario Road, Room 312, 3rd Floor,Lusaka Zambia

Office Hours

Monday - Friday: 8:00 AM - 5:00 PM

Contact

+260976830066

+260974185272

kalene@kalenelimited.com