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.
— 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 or older
- Vehicle registered in your name, free of encumbrances
- Garage invoice or quotation (unique requirement for this product)
- National ID and KRA PIN
- 3 months' bank statements
- Valid vehicle insurance certificate