sgCapital is Sforzo Group's financial services arm — delivering integrated money remittance, lending, and investment services to individuals and businesses across Zambia.
Enquire NowFounded in 2023 as Sforzo Group's inaugural operating entity, sgCapital spent three years building a track record in collateral-based, fixed-rate lending — serving individuals and small businesses across Zambia with a disciplined, principled approach.
After a period of strategic restructuring, sgCapital is relaunching in Q2 2026 with a significantly expanded mandate. Money remittance — both local and international — becomes the cornerstone of our offering, supported by our network of leading payment partners including Airtel Money, MTN Money, Zamtel, Western Union, and Mukuru.
Lending services continue alongside the new remittance division, and the sgCapital Hedge Fund participates in commodities and equity markets within applicable regulatory boundaries.
2023 — Inaugural Year. sgCapital launched its lending operations, establishing its credit model and building its first client relationships with disciplined, collateral-backed facilities.
2024 — Consolidation. We refined our underwriting processes, deepened client relationships, and strengthened the operational foundations ahead of expansion.
2025 — Record Growth. sgCapital's strongest year on record — demonstrating the durability of our model and the trust our clients place in the brand.
Full financial records available to authorised parties upon request.