Credit

Top up your operating cash.

Revolving 30-90 day line, drawn against verified business inflows.

Rate

2.8%-4.2% monthly on drawn balance

APR equivalent

39.3%-64.0% APR equivalent

Typical amount

KES 30,000-750,000

Typical tenor

30-90 day revolving draws

Example total cost

PrincipalKsh 150,000

FeesKsh 2,750

Interest estimateKsh 6,300

Total repayable estimateKsh 159,050

1.5% draw fee
KES 500 monthly line maintenance when active

Estimated time to apply

~3 minutes

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

Document checklist

Business registration
KRA PIN
3 months statements
Till or bank inflow evidence

What happens next

Check trading profile
Consent to cashflow review
Connect or upload statements
Set draw and sweep limits

If you do not qualify yet

Lower the first draw if average daily inflow cannot support scheduled sweeps.
Add verified buyer receipts or till-flow data to improve the line limit.

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

Business registrationKRA PIN3 months statementsTill or bank inflow evidence

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 →