Phoenix Capital – We Enable, You Prosper
Restock Biashara Loan
Whether you run a vegetable stall, a kiosk, or a small shop, get up to KES 70,000 to restock fast — simple application, no long queues. Or dial *568# to apply right now.
— How This Loan is Different
What is a Restock Loan?
Instead of disbursing cash to you, we settle the supplier’s invoice directly with your chosen supplier or wholesaler — so the money goes exactly where it’s needed.
Pick your own supplier
Buy from a supplier or wholesaler you already trust — we’re not tied to a single vendor.
No upfront cash needed
We pay the supplier once the invoice or quotation is verified, so you can restock immediately.
Repay at your own pace
Flexible instalments sized to what your business can comfortably manage.
— Process
How it works
Four steps from application to money in hand. Most customers with complete documents finish the same day.
Apply
Visit any branch, call, or dial *568#.
Quick Verification
We confirm your ID and trading details.
Approval
Get your approved amount, up to KES 70,000.
Funds Sent
Money lands in your account or mobile money, same day.
— Eligibility
Who qualifies, and what to bring
- Kenyan citizen or resident, 18+ years
- Running a small business or trading stall, even informally
- National ID
- A phone number registered for mobile money
- Some evidence of trading — M-Pesa statement, stall location, or supplier receipts
Happy Clients
Branches Nationwide
Asset Financing Rate
Loan Products
Licensed lending, on the record.
Phoenix Capital Limited is licensed by the Central Bank of Kenya (CBK) as a Digital Credit Provider under the Central Bank of Kenya Act, and is listed on CBK's public directory of licensed lenders. Every loan we issue comes with a written offer, transparent terms, and a formally registered NTSA transfer — no informal side agreements.