The vast majority (70%) of all retail purchases in Zambia are made at small informal shops. Consumer products at her store are frequently out of stock and if they are available, it is often at a high price. Shop owners endure costly, time-consuming travel to central markets to purchase health and consumer packaged goods. Limited access to working capital cripples the amount of stock she can purchase at a time. This inefficient distribution system increases prices and limits communities’ access to potentially life-saving medicine, sanitation products, and nutritious food.