BUSINESS ADVISORY SERVICES
Product Description   The Bank’s business advisory service is intended to give support to foreign-based financial institutions lending to Zambian businesses; and provide ordinary businesses accessibility to financial resources available outside DBZ. The range of services that the Bank provides is as follows:    ·    Pre and post lending support ·    Financial intermediation ·    Technical support

Pre and Post lending support
Pre and post lending services are designed for foreign-based financial institutions that may not have the resources within Zambia. Under this service the Bank will undertake the following activities:

• Providing relevant information

• Screening of applications

• Carrying out due diligence studies

• Portfolio monitoring and control

• Undertaking site visits to projects

• Providing periodic progress reports

• Making available audited accounts and management accounts

• Advising on loan restructuring and exit strategies

• Providing services such as shadow management and board representation

Financial Intermediation
As financial intermediary, the Bank links potential borrowers with lending institutions. The Bank, if so required, also negotiates terms and conditions with the lending institutions and facilitates loan disbursements.

Technical Support
The Bank provides technical assistance in the form of preparation of business proposals for submission to other financial institutions. This service is intended for business owners lacking the resources or expertise to prepare business plans.

Charges
These are negotiable depending on the complexity of support required and time. As a guide charges are normally as follows: 

• Pre lending Support – negotiable flat fee payable upfront

• Post lending – negotiable flat fee

• Financial intermediation – upfront fee equivalent to US$ 1,000 and 1% to 2% of the amount raised

Technical support – flat fee

(See application procedures and guidelines)