Our Products

Comprehensive financial solutions for individuals and businesses

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1Jiokolee Loan

Quick Loans for Immediate Needs

Our signature quick loan solution designed for those moments when you need immediate financial support. Whether it's for emergency medical expenses, urgent home repairs, or unexpected bills, Jiokolee Loan provides the fastest path to financial relief.

  • Flexible Amounts: Borrow from KES 1,000 to KES 50,000, tailored to your specific needs
  • Swift Processing: Get funds in your account within 15 minutes of approval
  • Competitive Rates: Enjoy our market-leading interest rate of just 0.1% per day
  • No Hidden Fees: Transparent pricing with no surprise charges

Eligibility & Requirements

  • Age: 21-55 years old
  • Income: Regular source of income (employed or self-employed)
  • Documentation: Valid Kenyan ID and proof of income
  • Credit Score: No minimum credit score required for first-time borrowers

Repayment Options

  • Flexible Terms: Choose from 7, 14, 21, or 30 days
  • Multiple Channels: Repay via M-Pesa, bank transfer, or in-app payment
  • Early Repayment: No penalties for early settlement
  • Auto-Debit: Set up automatic payments to avoid late fees
Frequently Asked Questions
How quickly can I get the loan?

Once approved, funds are disbursed within 15 minutes to your registered mobile money or bank account.

What documents do I need?

Valid Kenyan ID, proof of income (3 months bank statements or payslips), and utility bill for address verification.

How is the interest calculated?

Interest is charged at 0.1% per day on the outstanding loan amount. For example, a KES 10,000 loan for 30 days would accrue KES 300 in interest.

Can I apply for multiple loans?

You must fully repay your current loan before applying for a new one. Good repayment history may qualify you for higher amounts.

What happens if I can't repay on time?

Contact us immediately to discuss extension options. Late payments incur additional fees and may affect your credit score.

Is there a credit check?

We perform a soft credit check using alternative data sources including mobile money history and social media activity.

Can I repay early?

Yes, early repayment is encouraged and comes with no penalties. This can improve your credit score.

What if my application is rejected?

You'll receive detailed feedback and can reapply after 30 days. We'll provide tips to improve your chances.

How do I check my loan status?

Track your loan status real-time through our app or by logging into your account on our website.

What are the repayment methods?

Repay via M-Pesa, bank transfer, or set up automatic deductions from your salary.

Can I increase my loan limit?

Yes, consistent timely repayments can qualify you for higher limits up to KES 50,000.

What if there's an emergency?

Our 24/7 customer support can help restructure your loan in case of genuine emergencies.

2Biashara Boost

Comprehensive Business Financing

Transform your business potential with our comprehensive financing solution. Whether you're looking to expand, purchase inventory, or manage cash flow, Biashara Boost provides the financial backbone your business needs.

  • Substantial Funding: Access KES 50,000 to KES 5,000,000 based on your business needs
  • Flexible Terms: Choose repayment periods from 3 to 24 months
  • Competitive Rates: Starting from 14% per annum with secured options available
  • Value Added Services: Free business advisory and financial management support

Business Requirements

  • Business Age: Minimum 6 months in operation
  • Monthly Turnover: At least KES 100,000
  • Documentation:
    • Business registration certificate
    • 6 months bank statements
    • Tax compliance certificate
    • Business plan (for loans above KES 1M)

Additional Benefits

  • Business Network: Access to our business community and networking events
  • Financial Training: Free workshops on business financial management
  • Dedicated Support: Personal relationship manager for your business
  • Digital Tools: Free access to our business management platform

Frequently Asked Questions

What's the maximum loan amount available?

Up to KES 5 million based on business turnover, credit history, and security provided.

How long does approval take?

3-5 business days for new clients. Existing clients with good standing may receive same-day approval.

What collateral is accepted?

We accept business assets, property, vehicles, machinery, and inventory. Unsecured options available for amounts under KES 500,000.

Do you offer grace periods?

Yes, up to 3 months grace period available for seasonal businesses or capital investments.

What documents are needed?

Business registration, 6 months bank statements, tax returns, financial statements, and business plan for loans above KES 1M.

Can startups apply?

Special startup packages available for businesses under 6 months, with additional requirements and mentorship program.

How are repayments structured?

Choose between monthly, quarterly, or customized repayment schedules based on your cash flow.

What advisory services are included?

Free business planning, financial management training, and market analysis support from our experts.

Can I refinance existing loans?

Yes, debt consolidation and refinancing options available with better terms for qualifying businesses.

What happens if I miss a payment?

Contact us immediately. We offer restructuring options and 7-day grace period before late fees apply.

Is insurance required?

Business insurance mandatory for loans above KES 1M. We offer competitive insurance packages.

Can I apply for multiple facilities?

Yes, access different loan types (working capital, asset financing, invoice discounting) simultaneously.

What's the interest rate?

Rates from 14% p.a., varying based on risk assessment, security, and loan term.

Do you offer emergency business loans?

Fast-track processing available for existing clients needing emergency funding, decision within 24 hours.

What support is available post-disbursement?

Dedicated relationship manager, quarterly business reviews, and access to networking events.

3Elimu Advance

Education Financing Solution

Invest in your future with our comprehensive education financing package. From undergraduate studies to professional certifications, Elimu Advance makes quality education accessible and affordable.

  • Flexible Funding: KES 10,000 to KES 1,000,000 for education expenses
  • Extended Repayment: Up to 7 years after graduation
  • Student-Friendly: Grace period during entire study duration
  • Career Support: Access to job placement and career counseling services

Coverage & Benefits

  • Tuition Coverage: Direct payment to institutions
  • Additional Expenses:
    • Accommodation costs
    • Book allowance
    • Living expenses
    • Study materials
  • Insurance: Complimentary study completion coverage

Application Process

  • Required Documents:
    • Admission letter
    • Academic transcripts
    • ID and KRA PIN
    • Guarantor details
  • Processing Time: 5-7 working days
  • Disbursement: Direct to institution or student account
Frequently Asked Questions
What expenses does the loan cover?

Covers tuition, accommodation, books, laptops, and other education-related expenses. We can pay institutions directly.

How does the grace period work?

No repayments required during your study period. Interest accrues but payments start after graduation.

What if I change institutions?

Notify us immediately. We can transfer the loan to your new institution after verification.

Who can be my guarantor?

Parents, guardians, or employed individuals aged 25-65 with stable income and good credit history.

Is there insurance coverage?

Yes, complimentary education completion insurance in case of guardian's inability to pay.

Can I work while studying?

Yes, part-time work is allowed and can help build your credit history.

What happens if I drop out?

Contact us immediately to discuss repayment restructuring options.

Are there early repayment penalties?

No penalties for early repayment. This can reduce your total interest cost.

How is the interest calculated?

12% per annum on reducing balance, with flexible repayment options post-graduation.

What career support is offered?

Access to job placement services, career counseling, and professional networking events.

Can I apply for multiple courses?

Yes, separate applications can be made for different courses or academic periods.

What happens after graduation?

3-month transition period before repayments begin, with flexible payment plans available.

Save

4Akiba Smart

Smart Savings Solution

Transform your saving habits with our high-yield savings account. Akiba Smart combines competitive returns with flexible access to help you achieve your financial goals faster.

  • High Returns: Earn 7% interest per annum on your savings
  • Zero Fees: No maintenance or hidden charges
  • Digital Access: 24/7 account management via app or web
  • Smart Features: Automated savings plans and goal tracking
Frequently Asked Questions
How often is interest paid?

Interest is calculated daily and paid monthly, credited to your account on the first day of each month.

Can I link this account to M-Pesa?

Yes, you can easily link your Akiba Smart account to M-Pesa for seamless transfers.

5Tujenge Together

Group Savings & Investment Solution

Group savings meeting

Unite and grow together with our innovative group savings solution. Perfect for chamas, investment groups, and savings circles looking to maximize their collective financial power.

  • Progressive Returns:
    • Up to 8% annual interest on group savings
    • Additional 0.5% bonus for consistent monthly deposits
    • Special rates for long-term investments
    • Quarterly dividend options available
  • Group Benefits:
    • Free inter-member transfers
    • Group mobile banking platform
    • Automated contribution tracking
    • Digital record keeping system

Professional Support & Management

Financial advisory session
  • Dedicated Support:
    • Personal relationship manager
    • Quarterly financial planning sessions
    • Investment advisory services
    • Group governance support
  • Digital Tools:
    • Group management dashboard
    • Member contribution tracking
    • Investment performance reports
    • Mobile voting system for group decisions

Group Loan Opportunities

Group loan discussion

Transform your group's savings into powerful investment opportunities with our exclusive group loan programs.

  • Loan Features:
    • Up to 3x your group's savings balance
    • Preferential interest rates from 12% p.a.
    • Flexible repayment terms up to 24 months
    • No individual collateral required

6Watoto Wetu

Securing Your Child's Future

Child savings concept

Start building your child's financial foundation early with our specialized children's savings account. Watch their dreams grow alongside their savings.

  • Educational Benefits:
    • Age-appropriate financial literacy materials
    • Interactive money management games
    • Quarterly progress certificates
    • Educational workshops during school holidays
  • Growth Features:
    • 8% base interest rate annually
    • Additional 1% bonus for consistent savings
    • Birthday month bonus deposits
    • Goal-based savings rewards

Protection & Insurance Benefits

Family protection
  • Insurance Coverage:
    • Free life insurance for parent/guardian
    • Educational continuation benefit
    • Emergency medical coverage
    • Annual health check-up voucher

Pay

7Lipa Poa

Digital Payment Ecosystem

Digital payment solution

Experience the future of payments with our comprehensive digital wallet solution. Lipa Poa connects you to a world of seamless transactions.

  • Payment Features:
    • Instant transfers to any bank or mobile money
    • QR code payments at over 10,000 merchants
    • Bill payments and utility services
    • Bulk payment processing

Security & Limits

Security features
  • Security Features:
    • Biometric authentication
    • End-to-end encryption
    • Real-time fraud detection
    • Remote wallet locking

Frequently Asked Questions

What are the transaction limits?

Daily limit is KES 300,000, but this can be increased upon request and additional verification.

How do I fund my Lipa Poa wallet?

You can add funds through bank transfer, M-Pesa, or cash deposit at any SwiftCash agent.

Are there any transaction fees?

Transfers between Lipa Poa users are free. External transfers have minimal fees displayed before confirmation.

What happens if I lose my phone?

You can instantly freeze your account through our 24/7 helpline or web portal.

Can I use Lipa Poa internationally?

Currently available for domestic transactions. International features coming soon.

How secure is my money?

We use bank-grade encryption and are fully regulated by the Central Bank.

What if a transaction fails?

Failed transactions are automatically reversed within 24 hours.

Can I have multiple wallets?

You can have one personal and one business wallet under the same account.

How do I track my transactions?

Access detailed transaction history and statements through the app or web portal.

What merchant services are available?

Merchants can access QR codes, payment links, and API integration options.

Is there a minimum balance requirement?

No minimum balance required to maintain your Lipa Poa wallet.

How do refunds work?

Merchants can process refunds directly through their dashboard within 30 days of transaction.

8Biashara Pay

Business Payment Solutions

Business payment solutions

Transform your business with our comprehensive payment solution designed for modern enterprises.

  • Payment Options:
    • QR code payments
    • NFC contactless payments
    • Payment links for online sales
    • USSD payments for feature phones
    • Bulk payment processing

Frequently Asked Questions

What are the transaction fees?

1% per transaction, capped at KES 100. Volume-based discounts available for high-turnover businesses.

How quickly do I receive payments?

Settlements are processed daily with funds reflecting in your account by next business day.

Can I integrate with my existing systems?

Yes, we offer API integration with major POS systems, accounting software, and e-commerce platforms.

What reports are available?

Access detailed transaction reports, settlement statements, and analytics through your dashboard.

How do I handle refunds?

Process refunds directly through your merchant dashboard within 30 days of the original transaction.

Is there a setup fee?

No setup fees. Only pay for successful transactions.

What security measures are in place?

PCI-DSS compliant with end-to-end encryption and fraud detection systems.

Can I have multiple users?

Yes, create unlimited user accounts with customizable permissions for your team.

What customer support is available?

24/7 dedicated merchant support via phone, email, and WhatsApp.

How do I track failed transactions?

Real-time transaction monitoring with automatic notification for any failed payments.

Can I accept international payments?

Yes, accept payments in multiple currencies with automatic conversion.

What happens during internet outages?

Offline mode available for continuous operation with automatic sync once connection restores.

9Safari Secure

Global Travel Card Solution

Travel card benefits

Your perfect travel companion for secure and convenient payments worldwide.

  • Card Features:
    • Multi-currency support (KES, USD, EUR, GBP, AED)
    • Real-time currency conversion
    • Contactless payments
    • ATM withdrawals worldwide

Frequently Asked Questions

How many currencies can I hold?

Hold up to 5 currencies simultaneously: KES, USD, EUR, GBP, and AED. Lock exchange rates in advance.

What are the ATM withdrawal fees?

Free ATM withdrawals worldwide. Some ATM operators may charge their own fees.

How do I activate international usage?

Card automatically activated for international use. Notify us of travel dates for added security.

What exchange rates apply?

Real-time exchange rates with minimal markup. Lock in rates by converting currency in advance.

What travel insurance is included?

Comprehensive coverage including trip cancellation, lost luggage, and medical emergencies.

How do I report a lost card?

Instantly freeze card via app or 24/7 helpline. Emergency replacement available worldwide.

Can I set spending limits?

Yes, customize daily spending and withdrawal limits through the app.

How do I check my balance abroad?

Access balances and transactions through the app, SMS, or customer service.

Are there any monthly fees?

No monthly fees. Only pay for currency conversion if you choose not to pre-load currencies.

How do I get emergency cash?

Emergency cash pickup available at partner locations worldwide within 24 hours.

Can I add additional cardholders?

Yes, add up to 3 additional cardholders with individual spending limits.

What merchant categories are blocked?

High-risk merchants automatically blocked. Customize merchant category restrictions in app.

How long does card replacement take?

Emergency replacement within 48 hours internationally. Standard replacement 5-7 business days.

Is there a rewards program?

Earn travel points on purchases. Redeem for flights, hotels, or cash back.

What happens if a transaction is declined?

Instant notification with reason. 24/7 support available to resolve any issues.

Help & Support

Common Issues & Solutions

Account Access

  • Reset password through the app
  • Update contact information
  • Unlock frozen account

Transactions

  • Track pending payments
  • Dispute resolution process
  • Payment verification

Technical Support

  • App troubleshooting
  • Device compatibility
  • Integration issues