Regulated by




Betternow Finance Company (BFC) Limited was incorporated on January 24, 2012 in the Republic of Zambia under the Companies Act Cap 388 of the Laws of Zambia with Registration No: 99131. BFC is duly registered under the Banking and Financial Services Act Cap 387 and operating as a Non-Banking Financial Institution under the Bank of Zambia Licence No: 076/2013 granted on November 14, 2013. The principal business activity of the company is to offer wholesale micro-finance services throughout Zambia with tailor made products that have a shorter turn-around time.


over 9 Years Of Experience In Supporting Businesses and Individuals

We are leaders

We want to lead the microfinance industry in our chosen markets.

We are Innovative

We look for innovative solutions that add value to financial services and create products at affordable rates.

We are Service Minded

We respond to our customers’ needs

We are Accountable

We deliver measurable results to our stakeholders and will operate with the highest levels of ethics and honesty.

We are Collaborative

We provide opportunities to meet, communicate, collaborate and partner with the microfinance industry and business community.

Were we come from

The purpose of BFC is to ensure that its vision of “Better access to credit for everyone Living, Working or engaged in Entrepreneurship” is realized. It is our goal to transform BFC into a leading micro-finance company which will have a positive impact on local communities. With this in mind, BFC positions itself to contribute towards the growth of the financial services sector through responsible and inclusive lending for purposeful change. BFC aspires to enhance financial inclusiveness of the Zambian people and aim towards ensuring female entrepreneurs and minority groups have easier access to finance through our models.

Our Mission

To provide the highest quality of financial services for private and business purposes in a friendly and professional manner.

Our Vision

Better access to credit for everyone living, working and engaging in entrepreneurship.

Our Core Values


Strengthening our role as micro-finance leaders in our chosen markets..


Responding to our customers’ needs, adding qualitative value to financial services and ensuring products at affordable rates.

Innovations and Continuous Learning

Embracing innovative solutions for the enhancement of services and professionalism in our service delivery.

Results and Accountability

Delivering measurable results to our stakeholders; BFC will endeavour to operate with the highest levels of ethics and honesty.

Collaboration and Partnering

Providing opportunities to meet, communicate, collaborate and partner with the micro-finance ecosystem.