Ayawide Investments Ltd offers collateral-based loans with fast approval, flexible terms, and transparent rates β empowering individuals and businesses to achieve economic stability.
From fast collateral loans to a marketplace of quality goods, Ayawide is your one-stop financial partner.
Fast loans secured by your assets β vehicles, electronics, jewellery, property & more.
Simple, clear rates: 15% Β· 25% Β· 30% Β· 40% for 1β4 week terms. No hidden fees.
Quality items recovered from defaulted loans, available at competitive prices for buyers.
We partner with businesses to facilitate sales, acting as a trusted intermediary.
Ayawide Investments Ltd is a third-party seller and financial support company operating in Zambia. We partner with businesses and individuals to facilitate the sale of products and services, acting as an intermediary that simplifies transactions.
Beyond sales, we position ourselves as a financial burden reliever β offering tailored financial solutions designed to ease the strain on our clients through collateral-based lending.
Through our dual focus on commerce and financial assistance, Ayawide aims to empower customers and partners to achieve greater economic stability and growth.
We partner with businesses to facilitate sales, acting as a trusted intermediary between sellers and buyers for seamless transactions.
Fast, collateral-based loans for individuals and businesses with clear terms, fair rates, and no bureaucratic delays.
Defaulted collateral items are listed in our shop at competitive prices, creating value for buyers and recovering funds efficiently.
Get your loan in 4 simple steps. Fast, secure, and hassle-free.
Fill in our quick application form with your details and the loan amount you need.
Bring your collateral for professional valuation. We assess value and agree on terms.
Review and sign the loan agreement with clear terms, rate, and repayment schedule.
Funds disbursed same day or within 24 hours. Repay fully to reclaim your collateral.
"Success is not about avoiding failure, but about rising after every challenge with greater wisdom and determination."
β William Ayami PhiriFounder & Director, Ayawide Investments Ltd
I entered into business not because life was easy, but because I believed it was possible to change my situation and create a better future for myself and my family. Growing up in a family of 11 children, I experienced both stability and hardship. In 2017, my family went through significant financial difficulties β that moment changed my perspective on life, responsibility, and the importance of financial independence.
Determined to build something meaningful, I began my entrepreneurial journey shortly after university. My first venture was a phone business, which initially showed great promise. However, due to inexperience, poor financial decisions, and misuse of capital, the business eventually collapsed. Instead of allowing failure to define me, I chose to learn from the experience and start again.
I later explored other opportunities, including running a shawarma business near the University of Lusaka β which came with its own challenges, setbacks, and valuable lessons about resilience, discipline, and customer service. Every setback strengthened my determination and deepened my understanding of the financial struggles many people face daily.
These experiences inspired me to establish Ayawide Investments Limited β built on the vision of helping individuals and businesses access financial support and practical solutions that ease economic pressure.
We accept a wide range of collateral to secure your loan. Fast processing, clear terms, funds when you need them most.
Use your land title, house, or property as collateral to access significant loan amounts.
Pledge your vehicle β cars, trucks, motorcycles β to secure quick cash.
Phones, laptops, TVs, and other electronics accepted as collateral for smaller loans.
Gold, silver, precious stones accepted with professional valuation on-site.
Business equipment, farm machinery, tools, and industrial assets accepted.
Business owners can use stock and inventory as collateral for working capital loans.
Simple, transparent rates. No hidden fees. Know exactly what you owe before you sign.
| Loan Term | Interest Rate | Example: ZMW 1,000 | Total Repayment | Best For |
|---|---|---|---|---|
| 1 Week | 15% | ZMW 150 interest | ZMW 1,150 | Emergency cash, short bridge |
| 2 Weeks | 25% | ZMW 250 interest | ZMW 1,250 | Bi-weekly salary cycle bridging |
| 3 Weeks | 30% | ZMW 300 interest | ZMW 1,300 | Mid-term needs, salary gap |
| 4 Weeks | 40% | ZMW 400 interest | ZMW 1,400 | Business capital, larger purchases |
* Rates applied on principal. All loans are collateral-secured. Terms and conditions apply.
Enter your loan amount and choose your term to see exactly what you'll repay.
Quality items recovered from defaulted loans, available at competitive prices.
Here's your loan portfolio overview
β οΈ All collateral items are held securely and returned upon full loan repayment.
| Date | Loan ID | Amount | Type | Status |
|---|---|---|---|---|
| 18 Nov 2023 | #AW-2023-008 | ZMW 1,100 | Repayment | Paid |
| 1 May 2024 | #AW-2024-001 | ZMW 2,000 | Disbursed | Disbursed |
| 12 May 2024 | #AW-2024-002 | ZMW 1,500 | Disbursed | Disbursed |
| 3 Jun 2025 | #AW-2024-002 | ZMW 1,800 | Repayment Due | Missed |
| 12 Jun 2025 | #AW-2024-001 | ZMW 2,700 | Repayment Due | Upcoming |
Ready to get started? Fill in the form or visit us in person. We respond within hours.
Nangwenya Road, Movie TV Opposite Sun City Hotel, Lusaka, Zambia
+260 971 468 538
info@ayawideinvestments.com
Mon β Sat: 08:00 β 18:00
Sun: By Appointment
Please read all terms carefully before signing any loan agreement with Ayawide Investments Limited.
Registered Company No. 120251018124 Β· Governed by the Money Lenders Act, Chapter 398, Laws of Zambia
This document must be read and signed by all clients before accessing the Payday Soft Loan facility. The loan is designed for business men/women and employees from various institutions β intended to supplement shortfalls in budgets and assist with unforeseen challenges that do not require large amounts of funds.
All loan applications may be approved or declined at the absolute discretion of Ayawide Investments Limited.
Interest on all credit facilities is calculated based on the loan term. Payments made before the due date are eligible for the following rates:
The maximum loan period on a single interest charge is thirty (30) days, subject to whichever comes first β the 30-day threshold or payday.
All loans require a single lump-sum repayment. The loan together with accrued and unpaid interest and all other charges, costs and expenses, is due and payable on the agreed due date.
Partial payments may be arranged in advance by contacting your Loan Officer.
Defaults increase the volatility of risk. In order to maintain stable interest rates and better service, defaults shall attract the following charges:
Ayawide acknowledges that clients may face unforeseen challenges. If you are unable to repay on the due date, you may:
By signing the loan agreement, you:
By signing the loan agreement, you agree to fully indemnify Ayawide Investments Limited for all costs and expenses (including legal fees) arising in connection with your dealings with Ayawide Investments Limited, in enforcing these terms and conditions, or in recovering any amounts due.
All loan agreements are governed and construed in accordance with the laws of the Republic of Zambia, and in particular, the Money Lenders Act, Chapter 398 of the Laws of Zambia.
Any disputes shall be resolved amicably first; failing which they shall be referred to a court of competent jurisdiction in Zambia.
The Car Loan facility is packaged by Ayawide Investments Limited (Reg. No. 120251018124) for business men/women and employees from various institutions. Clients may either park the vehicle at our premises or have a GPS tracker installed on the car as security.
All applications may be approved or declined at the absolute discretion of Ayawide Investments Limited.
Interest on Car Loan credit facilities is calculated based on the loan period:
By signing the Car Loan agreement, you agree to fully indemnify Ayawide Investments Limited for all costs and expenses (including legal fees) arising from the enforcement of these terms or recovery of outstanding amounts.
Your information is strictly confidential and will not be shared with unauthorised persons.
Loan Agreement with Collateral β Between Mr. William Phiri (Lender) and the Borrower
This MoU is entered into between Mr. William Phiri, NRC No. 791395/10/1, residing at Libala South, Nationalist Road, Lusaka, Zambia (the Lender), and the Borrower whose details are captured in the loan application form.
To establish the terms under which the Lender agrees to provide a loan to the Borrower, who pledges specified assets as collateral/security.
The loan amount, disbursement date, interest rate, repayment schedule and total repayment amount are captured in the signed loan agreement. Repayment is a one-time lump sum on the agreed due date.
The Borrower pledges specified items as collateral. The collateral shall remain in the possession of the Lender OR shall not be sold, transferred, or encumbered in any way by the Borrower until the loan is fully repaid.
If the Borrower fails to repay in full by the agreed date, the Lender has the full legal right to take ownership and/or liquidate the collateral. A final written demand notice of 7 days will be issued before any sale or repossession. Any excess from the sale beyond the outstanding amount shall be returned to the Borrower.
This MoU terminates upon: (a) full repayment and return of collateral, OR (b) sale/liquidation of collateral due to non-payment after due process.
Governed by the laws of the Republic of Zambia, in particular the Money Lenders Act, Chapter 398. Disputes shall be resolved amicably, or referred to a court of competent jurisdiction in Zambia.
This MoU constitutes the entire understanding between the Parties and supersedes all prior oral or written agreements. No amendment is valid unless made in writing and signed by both Parties.
π To receive a physical copy of the MoU for signing, please visit our offices at Nangwenya Road, Movie TV Opposite Sun City Hotel, Lusaka, or contact us on WhatsApp: +260 971 468 538
By pledging collateral, the borrower agrees that the pledged items shall not be:
Should any of the above occur, Ayawide Investments Limited is authorised to repossess any other items of their choice to substitute the lost, damaged or moved collateral.
In the event of default:
Collateral is returned to the borrower upon:
Official receipts and acknowledgment are issued for all repayments made.
In the event of vehicle or high-value collateral default, a Letter of Sale is completed confirming the transfer of ownership, including:
If you have any questions about the status of your collateral, or wish to discuss repayment options, please contact us:
π WhatsApp: +260 971 468 538
π Office: Nangwenya Road, Movie TV Opposite Sun City Hotel, Lusaka
π Hours: MonβSat 08:00β18:00
Please read these terms carefully before applying for any loan facility with Ayawide Investments Limited.
This document must be read and signed by all clients before accessing the Payday Soft Loan Facility. The loan is designed for business owners and employees from various institutions β intended as a supplement to budget shortfalls and to assist with unforeseen challenges that do not require large amounts to resolve.
All loan applications may be approved or declined at the absolute discretion of Ayawide Investments Limited.
Interest on all credit facilities is calculated based on the loan term. Payments made before the due date attract discounted rates:
The maximum loan holding period on a single interest charge is thirty (30) days, subject to whichever comes first β the 30-day threshold or payday.
All loans require a single lump-sum repayment. The loan together with accrued and unpaid interest and all other charges, costs and expenses, is due and payable on the agreed due date.
No partial repayments will be accepted unless agreed upon in writing with your Loan Officer prior to the due date.
Defaults increase the volatility of risk. To maintain stable interest rates and quality service, defaulting clients shall attract the following charges:
We understand that unforeseen circumstances may arise. Clients may avoid default charges by:
By signing the loan agreement, the client pledges listed item(s) as collateral. The pledged items:
All information provided to Ayawide Investments Limited is strictly confidential and shall not be disclosed to any unauthorised persons, save for law enforcement institutions upon official request.
Any changes to terms and conditions shall be communicated to clients in advance.
By signing the loan application, you agree to fully indemnify Ayawide Investments Limited for all costs and expenses (including legal fees) arising in connection with your dealings with Ayawide Investments Limited β including enforcing these terms, recovering amounts due, or any legal proceedings related to your account.
The Car Loan facility is available to business owners and employees. The car may be used as collateral either by parking it at our premises or by having a GPS tracker installed on the vehicle.
All car loan applications may be approved or declined at the absolute discretion of Ayawide Investments Limited (Registered Company No. 120251018124).
Interest on car loan facilities is calculated at 35% for a 30-day period. Early repayment discounts apply:
The borrower must provide the following vehicle details when pledging a car as collateral:
The vehicle shall not be sold, transferred, or encumbered in any way until the loan is fully repaid.
By signing, you agree to fully indemnify Ayawide Investments Limited for all costs and expenses (including legal fees) arising in any way from your dealings with Ayawide Investments Limited β in enforcing these terms or recovering amounts due.
Governed by the laws of the Republic of Zambia β Money Lenders Act, Chapter 398.
Every loan at Ayawide is backed by a legally binding MoU signed by both parties in the presence of witnesses.
The MoU is entered into between Mr. William Phiri (Lender), NRC No. 791395/10/1, Libala South, Nationalist Road, Lusaka, Zambia β and the Borrower (client), whose details are captured at the time of signing.
Loan amount, disbursement date, interest rate, repayment schedule, due date, and total repayment amount (principal + interest) are all documented in writing.
All collateral items are described in detail (make, model, serial/chassis/engine numbers, color). The collateral remains with the Lender or under restriction until full repayment.
If the borrower defaults, Ayawide has full legal right to sell or liquidate the collateral after issuing a 7-day written notice. Any surplus from the sale is returned to the borrower.
Borrower: Repay on time, keep collateral safe, do not sell or transfer collateral.
Lender: Disburse funds on signing, return collateral on full repayment, provide receipts for all payments.
The MoU is signed by the Lender, the Borrower, and two independent Witnesses β with NRC numbers, signatures, and dates captured for all parties.
In the event of default and repossession, a Letter of Sale is signed by both parties confirming the transfer of the collateral item to Ayawide Investments, with no further claims by the seller.
Note: Physical MoU documents are signed at our office at the time of loan disbursement. Bring your NRC, collateral, and proof of ownership. Contact us on WhatsApp +260 971 468 538 for more information.