Phoenix Capital – We Enable, You Prosper
Working Capital Logbook Loan
Fund stock, payroll, or expansion by borrowing against your car or business vehicle’s logbook. Access up to KES 3,000,000 while your vehicle keeps working for your business.
Up to KSh 1,000,000
Finance your day-to-day business operations
6 months of bank or M-Pesa statements
Borrow up to 70% of market value
— Built for Business Owners
Put your vehicle's equity to work
If you own a car, delivery van, or matatu that’s already earning for your business, its logbook can unlock the next stage of growth.
Restock without disrupting delivery
Keep your vehicle on the road while you fund inventory.
Bridge invoice and payroll gaps
Cover short-term cash flow gaps without taking on equity partner
Scale at your pace
Terms sized to your business’s repayment capacity, not a rigid template.
— Process
How it works
Steps from application to a settled bill.
Fast, calm, and transparent
A streamlined path built for urgent situations. No dramatisation — just clear steps and fast execution.
Call or Apply
Reach us by phone, WhatsApp, or the online form.
Fast Valuation
An assessor values your car as quickly as possible.
Documents
Submit your logbook, ID and proof of income.
Approval
Review and sign your offer.
Funds Sent
Money lands in your bank or mobile money account.
— Eligibility
Who qualifies, and what to bring
- Kenyan citizen or resident, 18 years and above
- Vehicle logbook registered in your name
- National ID and KRA PIN
- 6 months' bank/M-Pesa statements
Branches available
Head Office is in Kilimani, Nairobi, with branches across the city and beyond.
Kilimani
8th Floor, The Arch Place, Nyangumi Road
CBD Town
12th Floor, Finance House, Loita Street
Hurlingham
4th Floor, Marala Oasis
Buruburu
2nd Floor, Fairline Centre
Utawala
1st Floor, Grey Park Annex
Kiambu
8th Floor, Bishop Ranji House
Thika
1st Floor, Maisha Heights
Kitengela
3rd floor Kitengela Mall
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
