Phoenix Capital – We Enable, You Prosper
SME 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.
Up to KSh 5,000,000
3–36 months
From 4.5% p.m.
24–48 hours
— How This Loan is Different
What is a SME Biashara 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 and above
- Show proof of Physical location of business, small business or trading stall
- National ID and passport photo
- A phone number registered for mobile money
- Some evidence of trading — M-Pesa statement, stall location, or supplier receipts
Visit a Branch Near You
Our business loan specialists are available across these branches to help you apply, submit documents and receive support.
Pipeline
Luqman Petrol Station, Fedha Road
Adams Arcade
Discount Shop No. 40, Ngong Road
Utawala
Grey Park Annex, 1st Floor
Kiambu
Bishop Ranji House, 8th Floor
Kawangware
Rohi Seniors Park, Unit S6
Kasarani
Pazuri Apartments, 4th Floor
Kitengela
Kitengela Mall, 3rd Floor
Ngara
Mawa Court, Office Suite 21
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.
— Apply
Start your application
Frequently Asked Questions
What is a Phoenix Capital business loan for?
It’s financing for entrepreneurs and SMEs to cover working capital, stock purchases, business expansion, equipment, or to bridge short-term cash flow gaps.
Do I need collateral?
We offer both secured and unsecured options depending on your business profile. Secured business loans can use a vehicle logbook, title deed, or business assets as collateral, typically unlocking larger amounts and better rates. Unsecured business loans are available but usually come with smaller limits and are priced based on risk assessment.
What documents do I need?
Commonly required documents include:
- National ID and KRA PIN
- Business registration certificate or permit
- Bank or M-Pesa statements (usually 3–12 months)
- Collateral documents (logbook, title deed) if applying for a secured loan
- Basic business records — sales records, receipts, or a short business profile
How much can I borrow and over what period?
Loan amounts and terms vary based on your business’s cash flow, collateral, and repayment capacity. Secured loans generally allow for larger amounts and longer repayment periods than unsecured facilities.
What is the interest rate?
Business loan pricing is assessed individually based on the loan amount, collateral offered, and your business’s risk profile, and will be clearly disclosed in your loan offer before you sign.
How long does approval take?
Business loans typically take longer than simple logbook loans because of the added business verification steps, but most applications with complete documentation are processed within a few business days.
How do I apply?
Visit a branch or apply online with your business and personal documents. Our team will assess your application, may request additional information, and issue a loan offer detailing the amount, rate, and repayment terms.