Credit

Pay your overseas supplier.

Letter of credit, documentary collection, or supplier credit. Settle in foreign currency, repay in KES.

Rate

2.4%-3.8% monthly

APR equivalent

32.9%-56.5% APR equivalent

Typical amount

KES 250,000-5,000,000

Typical tenor

45-180 days

Example total cost

PrincipalKsh 800,000

FeesKsh 14,000

Interest estimateKsh 45,600

Total repayable estimateKsh 859,600

1.25% facility fee
FX spread disclosed before booking
Documentary handling at cost

Estimated time to apply

~6 minutes

You can step away and resume from the same device — uploads survive a refresh.

Document checklist

KRA PIN
Import declaration or pro-forma invoice
Supplier invoice
Bank statements
Business registration

What happens next

Verify supplier and invoice
Confirm FX and tenor
Consent to trade checks
Officer approves disbursement controls

If you do not qualify yet

Provide a verified supplier invoice if the current document is informal.
Reduce tenor or add buyer evidence if projected sale proceeds are uncertain.

Document readiness

Photo capture coach

Place the document on a flat surface with all four corners visible.
Retake the photo when glare, blur, cropped edges, or unreadable numbers appear.
Capture logbook, title deed, ID, and collateral photos in daylight where possible.
Keep each upload under the byte budget so low-bandwidth borrowers can retry safely.

All four corners visible
Cropped edges can hide document type, expiry, or ownership details.Numbers are readable
ID, KRA PIN, logbook, or title numbers must be legible for verification.No glare or shadow
Glare and shadow increase manual review and resubmission risk.Owner or applicant name matches
Name mismatches need explanation before submission.Borrower can retake now
A retake before upload is faster than officer rejection later.Keep uploads low-bandwidth and retry-friendlyBorrower can retake the photo now if needed

Ready to upload clear documents

KRA PINImport declaration or pro-forma invoiceSupplier invoiceBank statementsBusiness registration

I understand consent is required before document checksUse low-bandwidth upload guidance before retriesI can retake unclear photos before submittingI accept officer review if evidence needs checking

Ready to start consent and upload

Run eligibility check Start application →