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Business Advisory
Business Advisory Insights & Articles
Browse our expert business advisory articles, guides, and analysis for Zambian businesses.
Hidden Compliance Traps in Zambia’s New E-Commerce Act: What Every Digital Business Must Know in 2025
Zambia’s E-Commerce Act, together with the refreshed Cyber Security and VAT rules, promises to boost consumer confidence...
Rolling Cash Flow Forecasts for Start-Ups: Your 13-Week Lifeline to Staying Cash-Positive
Cash flow surprises sink more young businesses than product flaws or marketing mishaps. Recent data shows that 16 % of s...
Structuring Shareholder Agreements to Attract Angel Investors: A Practical Guide for SMEs
Angel investors write cheques quickly, but they do not do so blindly. Before wiring funds they read your shareholder agr...
Why Do 70 % of Sales Prospects Stall at the Proposal Stage—and How M&J’s Behavioural Sales Scripts Unblock Them
Stalled deals drain time, energy, and revenue. Studies and win-loss data show that around 70 % of prospects pause or go ...
How Foreign-Owned Businesses Can Slash ZRA Penalties on VAT Returns: M&J’s 6-Step Compliance Framework
Foreign-owned businesses in Zambia often find Value Added Tax (VAT) compliance more intimidating than market entry. ZRA’...
HR KPIs for Zambian Companies in 2025: A Practical Framework and M&J’s Benchmarking Method
Rapid economic shifts, a tight talent market, and accelerating digital adoption mean Zambian organisations can no longer...
Which Cloud Payroll Solution Fits a 20-Employee Manufacturing Plant?
An M&J Comparison Guide for 2025 Manufacturing payroll is never “just” payroll. A 24-hour line means night-shift premium...
Can a Foreigner Own 100 % of a Business in Zambia? What the Law Actually Says
Short answer: Yes—foreign investors can hold 100 % equity in most Zambian companies. Long answer: You must clear a US $1...
How Foreign-Owned Companies Can Hire Employees in Zambia in 2025
Zambia’s government actively courts foreign investment, yet regulators still expect employers—local or international—to ...
How to Open a Business Bank Account in Zambia as a Foreign National (2025 Guide)
a business bank account in Zambia is the final—and often most misunderstood—step that lets foreign-owned companies actua...
Land Acquisition by Foreign Investors in Zambia: Rules, Leaseholds & Practical Steps (2025 Guide)
Foreign appetite for Zambian real estate keeps growing, yet the law draws a clear line: foreigners may not own land outr...
Licenses and Permits Needed to Start a Manufacturing Business in Zambia (2025 Compliance Guide)
Launching a manufacturing business in Zambia can be lucrative—but only if you set up the right legal and regulatory pill...