Licensed by the Central Bank of Kenya (CBK)
Zidisha Business Loan
Purpose-built working capital for Kenyan entrepreneurs. Grow faster, prosper longer, without the red tape of a traditional bank loan.
Apply Now →— Benefits
Why Choose This Product
Designed from the ground up for the realities of running a growing Kenyan business.
💼
Business-FocusedDesigned specifically for the cash flow needs of growing SMEs.
⚡
Fast ProcessingGet funds disbursed in as little as 48 hours after approval.
🎯
Minimal CollateralUse your business records or vehicle logbook as security.
📈
Scalable LimitsYour loan ceiling grows in line with your business track record.
— Eligibility
Eligibility Criteria
Requirements Checklist
✅ Business operating for a minimum of 12 months
✅ Business registration certificate — any structure
✅ KRA PIN and valid tax compliance certificate
✅ 6 months' business bank statements
✅ National ID of business owner(s)
✅ Vehicle logbook for vehicle-secured applications
— Process
How It Works
01
Business Assessment
Submit your business profile and financial statements.
02
Loan Structuring
Our team designs a repayment structure matched to your cycle.
03
Approval & Agreement
Receive your offer letter and execute the loan agreement.
04
Capital Injection
Funds are disbursed to your business account immediately.
CBK Regulated
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.
70%Max loan-to-value
2 hrsFastest disbursement
11Branches nationwide
Ready to Get Started?
Apply today and join over 50,000 Kenyans who trust Phoenix Capital for their financial needs.