Empowering Your Financial Future
At SIKA PRIME LOANS Ltd, we provide collateral-based loans tailored for students and small businesses in Lusaka. Benefit from our flexible unicash loans with competitive interest rates designed to support your growth and success. Join our community and take the first step towards financial empowerment today.
Our Loan and Investment Services
University Partnership Loans
Collaborations with universities to offer specialized loan products designed for student success and financial accessibility.
Unicash Student Loans
Collateral-based loans tailored for university students to support tuition and living expenses with flexible repayment terms.
Short-Term Loan Plans
Loans with interest rates starting at 10% for one week, increasing progressively for longer terms up to 35% for four weeks.
Gallery

Empowering dreams with trusted loans and smart investments.
Be part of the Sika Prime Family as an investor
We've identified a high-growth, underserved market: students and small businesses seeking asset-based financing. Our robust collateral-backed model minimizes risk while tapping into a consistent demand for accessible capital. We offer investors a unique opportunity to achieve strong, secure returns by empowering the next generation of entrepreneurs and professionals. Join us in building a scalable and impactful financial venture
MEET THE TEAM BEHIND SCENES

CEO
Meet our visionary leader Mr.Joshua Sikanyika
Leading our organization with a strategic and principled vision is CEO Joshua Sikanyika. Under his guidance, we have established ourselves as a trusted provider of collateral-based financing solutions tailored for students and small businesses. Joshua's unwavering commitment to fiscal responsibility and ethical lending practices ensures that our services offer not only essential capital but also a foundation of security and transparency. His forward-thinking leadership empowers us to fulfil our core mission: enabling educational advancement and fostering entrepreneurial growth through structured and accessible financial partnerships.

Marketing Manager
Meet our Dynamic Marketing Manager MS.Catherine Shawa
Driving our brand's narrative and market presence is Marketing Manager Catherine Shawa. With a keen understanding of both the entrepreneurial spirit and the academic journey, Catherine expertly crafts strategies that connect our collateral-based loan solutions with the students and small businesses who need them most. Her data-driven approach and innovative campaigns effectively communicate our core values of trust, transparency, and partnership, ensuring we reach and resonate with the right audiences. Catherine’s leadership is instrumental in building the relationships and community engagement that fuel our company's growth and reputation.

Operations Manager
Meet our Operations Manager Mr.Charles Hangoma
Ensuring the seamless and efficient delivery of our financial services is Operations Manager Charles Hangoma. With a meticulous focus on process optimization and risk management, Charles is instrumental in upholding the integrity and reliability of our collateral-based loan system. His expertise in streamlining procedures and implementing robust operational frameworks guarantees that every client interaction,from application to disbursement,is conducted with utmost security, precision, and professionalism. Charles's unwavering dedication to operational excellence provides the critical backbone that allows us to fulfill our promises to students and small businesses with confidence and consistency.

ACCOUNTANT
Meet our merticulous Accountant MS.Kuzipa Namwinga
Safeguarding the financial integrity and ensuring the fiscal health of our organization is Accountant Kuzipa Namwinga. With meticulous attention to detail and a steadfast commitment to compliance, Kuzipa manages our financial operations with the highest degree of accuracy and professionalism. Her expertise in financial reporting, analysis, and regulatory standards provides a clear and trustworthy framework for all our collateral-based lending activities. Kuzipa’s diligent oversight is fundamental to our stability, enabling transparent financial practices and informed strategic decisions that secure the future of the company and the trust of our clients.
Reviews
Unlock Your Financial Potential with SIKA PRIME LOANS Ltd
Expert Financial Services Tailored for You
SIKA PRIME LOANS Ltd, based in Lusaka at the University of Zambia on Great East Road, is your trusted partner in financial solutions. We specialize in providing collateral-based loans designed to meet the specific needs of students and small business owners. Our expertise lies in understanding the unique challenges faced by our clients and offering flexible loan products that empower them to achieve their goals.
Flexible Loan Options with Competitive Interest Rates
Our flagship product, the Unicash loan, is tailored specifically for students at various universities, providing an accessible way to fund education and personal needs. We also offer small business loans to help entrepreneurs grow their ventures. Our loan interest rates are competitively structured: 10% for one week, 20% for two weeks, 30% for three weeks, and 35% for four weeks. This tiered approach allows borrowers to choose terms that best fit their repayment capacity.
Why Choose SIKA PRIME LOANS Ltd?
At SIKA PRIME LOANS Ltd, we pride ourselves on our commitment to customer service and transparency. Our collateral-based loan system ensures security for both the borrower and the lender, fostering trust and reliability. With our prime location in Lusaka and specialized focus on student and small business loans, we are uniquely positioned to support your financial journey with personalized solutions and expert guidance.
SIKA PRIME LOANS
Frequently Asked Questions
What documents are required to apply for a loan?
Applicants need to provide valid identification, proof of enrollment for students, proof of collateral, and any relevant financial documents as requested.
What types of loans does SIKA PRIME LOANS Ltd offer?
We offer collateral-based loans called Unicash Loans for students at various universities and small business loans to support entrepreneurs and business growth.
What are the interest rates for the loans offered?
Our interest rates are 10% for a 1-week loan, 20% for 2 weeks, 30% for 3 weeks, and 35% for 4 weeks.


