This report summarises the findings of an extensive analysis of demand-side data relating to usage of, and access to, financial services for businesses in Zambia. It forms part of a broader study of businesses in Zambia. The principle data source for the study is the 2008 Zambia Business Survey (ZBS) which comprises a nationally representative survey of 4 800 MSME businesses and a survey of 161 large businesses which is not nationally representative. In addition, data from the FinScope Zambia 2005 household survey have been used where appropriate. Full report available below.