"Zazipay helped me unlock working capital using my car logbook when suppliers needed payment upfront. The process was clear, the officer actually visited my shop, and the repayments were structured around my cash flow, not guesswork."

— John Mwangi. Retail Shop Owner, Nairobi

“I used the Biashara Loan to fulfil a big LPO from a contractor. I paid only the interest during the project and cleared the principal once the client paid. It was the first time a lender truly matched my financing to how my business earns.”

— Mercy Atieno. Hardware Supplier, Kisumu

“Through Zazipay Asset Finance I was able to acquire an extra van for deliveries. They paid the dealer directly, helped arrange the insurance, and within a short time I was already using the vehicle to serve more customers.”

— Peter Njoroge. Transport & Delivery, Thika

“The Secured Biashara Micro-Loan allowed me to quickly restock before the holiday season. The relationship officer explained every fee upfront so there were no surprises. I like that they treat you like a business partner, not just a file.”

— Amina Hassan. Boutique Owner, Mombasa

“What stood out for me is how structured the process is. There was proper valuation, credit analysis and a clear offer letter. Once I submitted all the documents, the approval and disbursement were faster than I expected.”

— Brian Otieno. Agrovet Dealer, Eldoret

“I used my vehicle logbook as security to get a short-term facility for renovations. The instalments were manageable, and the team kept checking in to see how the business was doing rather than just calling about payments.”

— Faith Wanjiru. Salon & Spa Owner, Nakuru

“As a small tech company, most of our money comes in after project completion. The interest-only Biashara Loan structure was perfect for us because we didn’t have to strain every month with heavy instalments before the client paid.”

— Kelvin Kiptoo. ICT Services, Nairobi

“I appreciated the transparency. From day one, Zazipay explained the interest, processing and insurance costs. When I signed the offer letter, I already knew exactly what to expect for the entire term of the loan.”

— Lucy Mumo. Stationery & Printing, Machakos

“Zazipay supported me to bridge a serious cash-flow gap during a county project. They looked at my contracts and statements, not just my CRB score, and gave a facility that made sense for the scale of work I was doing.”

— Daniel Ochieng. General Contractor, Kisii

“With their help I managed to increase my stock range and introduce delivery. The officer visited my premises, understood my business, and structured a loan that I could comfortably service within six months.”

— Janet Naliaka. Pharmacy Owner, Kitale