Transforming Financial Lives Through Strategy, Clarity, and Action.
BeEncouraged Business Solutions helps individuals, entrepreneurs, and organizations overcome financial pressure, build sustainable businesses, and achieve strategic growth.
Financial clarity. Strategic growth. Long-term sustainability.
BeEncouraged Business Solutions (BEBS) is a Zambian-based business and financial advisory company helping individuals and businesses move from confusion to confidence through structured, practical solutions.
- Financial Advisory
- Debt Recovery
- Business Strategy
- Entrepreneurship
- Financial Education
- Strategic Planning
Solutions built for real financial challenges
Debt Advisory & Recovery
Debt analysis, restructuring guidance, salary impact, loan audits, and structured recovery roadmaps.
Business Advisory
Strategy, business model design, operational systems and growth advisory for entrepreneurs.
Financial Advisory
Planning, budgeting, cashflow management and wealth-building principles for sustainable progress.
Corporate Training
Workshops in financial literacy, debt management, leadership, and staff financial wellness.
Debt Advisory360 — Your Debt Command Center
A modern debt analysis and recovery platform helping individuals understand their debt position, assess financial risk, and develop structured recovery strategies.
- Debt Score Analysis
- Debt-to-Income Analysis
- Creditor Breakdown
- Salary Impact Simulation
- Recovery Roadmaps
- Structured Advisory Reports
Why clients trust BEBS
Practical Experience
Professional financial expertise blended with real business experience.
Zambia-Focused Solutions
Built around the realities of the Zambian financial environment.
Strategy-Driven
Structured systems and long-term solutions, not temporary fixes.
Confidential & Professional
Client privacy and discretion remain central to our practice.
Led by Experience. Driven by Purpose.
Mathews Kapansa is an accountant, entrepreneur, financial educator, business strategist, and debt recovery advocate with over two decades of experience across accounting, finance, entrepreneurship, business development and strategic advisory.
He is the Founder & CEO of BEBS, creator of Debt Advisory360, and an active voice in financial literacy through communities such as Debt Free Champions.
What people are saying
"BEBS gave me a clear roadmap out of debt. Within months I had structure, discipline and confidence."
"The salary impact analysis helped me restructure responsibly. Best advisory experience I've had."
"Their business strategy session reshaped how I run my company — practical and powerful."
The Debt Warrior
Winning the Battle for Financial Freedom
A practical guide to understanding debt, building discipline, and recovering financial control. Plus free guides, articles and educational content from BEBS.
Your financial recovery and growth journey starts here.
Whether you're struggling with debt, building a business, or seeking strategic clarity — BEBS helps you move forward with structure and confidence.