Phoenix Capital Limited is a non-deposit-taking microfinance institution in Kenya, established in 2012. We go beyond simply providing loans — our mission is to empower middle-income earners and MSME’s with ethical, flexible, and personalized financial solutions.

For more than a decade, Phoenix Capital has helped individuals and businesses access financing that transforms lives. From Logbook Loans to Salary Advance Loans, Biashara Loans, and LPO Financing, our solutions are designed to fuel growth, unlock opportunities, and support financial independence.

What Sets Us Apart

• Financial Inclusion with a Human Touch – providing access to affordable loans for individuals and small businesses who are often under served by traditional banks.

• Beyond Money: A Double Bottom Line Approach – balancing profitability with social impact by supporting entrepreneurs and communities.

• Tailored Solutions for Complex Needs – whether it’s urgent cash flow for a household or capital for a business, we provide practical, transparent solutions.

Why Phoenix Capital?

• Over 10 years of experience serving Kenyans with trusted lending solutions.

• Flexible repayment terms to suit different income levels and businesses.

• Transparent and ethical lending practices, aligned with Central Bank of Kenya guidelines.

• Recognized by the Credit Reference Bureau (CRB) 

At Phoenix Capital, we are more than lenders — We enable, You prosper 

Explore our solutions: Logbook Loans, Salary Advance Loan, Biashara Loan, LPO Financing, Asset Financing, Motii Fix 

Vision

Offer timely financial services that are innovative and personal to individual consumers
and small businesses.

Mission

To be the preferred financial access provider in East Africa.

Our Core Values

At Phoenix Capital, our values guide how we serve our clients and impact communities across Kenya:

1. Integrity – We are committed to honesty, fairness, and transparency in all financial dealings.

2. Customer-Centricity – Every loan solution is tailored to meet the unique needs of individuals and businesses.

3. Innovation – We constantly refine our financial products, making them more accessible, affordable, and flexible.

4. Social Impact – Supporting MSMEs, job creation, and financial inclusion to strengthen Kenya’s economy.

5. Reliability – Delivering on our promise of fast, dependable, and ethical financial support.

By staying true to these values, Phoenix Capital continues to empower thousands of Kenyans with the financial tools they need to grow and succeed.