Questions?
Answered plainly.

A national ID or passport, your KRA PIN, and proof of business activity (a business permit, or 6 months of M-Pesa/bank statements). For group loans, each member provides their ID and the group's registration certificate.

Most complete applications are reviewed within 24 hours. Once approved, disbursement to M-Pesa or your bank account is immediate. First-time borrowers may take slightly longer while we complete KYC checks.

Rates are not one-size-fits-all. We price each loan individually based on the product, your repayment history, business cashflow and the loan term. Repeat clients with good records qualify for lower rates.

Yes - with your consent, we run a credit reference bureau check as part of a fair, automated risk assessment. A past listing does not automatically disqualify you; we look at your full current picture.

Not always. Smaller loans are unsecured. Larger loans may be secured by the asset being financed, stock, guarantors, or - for Chama Group loans - the collective guarantee of your group.

Yes. You can make partial or full early repayments at any time through M-Pesa. Early settlement reduces the interest you pay on reducing-balance loans.

We will reach out by SMS and phone first - life happens. If you talk to us early, we can restructure your schedule. Persistent arrears attract late fees and may affect your future borrowing limit and CRB record.

Applications must be made by the borrower, but groups can apply together under our Chama Group Loan. You can also begin an application online and finish it in person at our office with help from our staff.