Frequently Asked Questions

You'll need: Original logbook (NTSA verified), valid ID, KRA PIN, recent passport photo, proof of income (payslips or bank statements), and insurance certificate. The vehicle must be registered in your name.

Yes! You keep driving your vehicle while we hold the logbook as security. We only require that you maintain comprehensive insurance coverage during the loan period.

SME loans range from KES 50,000 to KES 10,000,000 depending on your business cash flow, collateral, and repayment capacity. We assess each application individually to determine the best amount for your needs.

You need: Valid ID, helmet, boda boda license/permit, proof of income (M-Pesa statements or daily records), and a guarantor. We finance both new and used motorcycles from our partner dealers.

Most applications are approved within 24 hours of submitting complete documentation. Log book loans may take 24-48 hours for NTSA verification. Once approved, funds are disbursed immediately to your M-Pesa or bank account.

Our interest rates start from 3.5% per month on a reducing balance basis. The exact rate depends on the loan type, amount, and repayment period. We offer some of the most competitive rates in Kenya's microfinance sector.

Yes! We encourage early repayment. Since we use reducing balance calculation, paying early reduces your total interest cost. There are no penalties for early settlement.

We finance both! For startups, we require a solid business plan and some form of collateral or guarantor. Existing businesses need to show at least 6 months of operation with cash flow statements.

Contact us immediately if you anticipate difficulty making a payment. We offer flexible restructuring options for genuine cases. However, consistent defaults may lead to recovery proceedings as per the loan agreement.

No hidden charges! We believe in transparency. The only fees are a one-time processing fee (2% of loan amount) and insurance (for log book loans). All charges are disclosed upfront before you sign.