Biashara Loan
Zazipay Biashara Loan is designed for SME customers who need short-term funding to plug working-capital gaps, fulfil LPOs or bridge cash-flow between invoicing and payment.
Loan amount: KES 100,000 – 10,000,000 per individual or company.
Tenor: 3–6 months.
Purpose: Working capital and short-term business needs (not long-term project financing).
Collateral: Motor-vehicle logbook.
SMEs fulfilling LPOs/LSOs and contracts that pay on completion.
Businesses stocking up for high-season sales and expecting a strong cash-in later.
Traders and suppliers needing to bridge short gaps in working capital without long-term debt.
You run an active business with verifiable income (through business records, LPOs, LSOs or contracts).
You have a motor-vehicle logbook available to be charged as collateral.
Your credit history is acceptable based on CRB checks and internal credit policy.
1. National ID, KRA PIN and a recent passport photo.
2. Business records / LPOs / LSO contracts supporting the need for finance.
3. Original motor-vehicle logbook.
4. Last 6 months’ bank statements and/or M-Pesa statements.
5. CRB report for the borrower and, where applicable, the business or company.
6. Completed loan application and member application forms.
7. Sketch map to your home and business location.
For limited companies, you’ll also provide: certificate of incorporation, memorandum and articles of association, company PIN/VAT certificate, board resolution to borrow, director personal guarantees and a current CR12.
Motor-vehicle valuation by a Zazipay-approved valuer.
Joint registration of the logbook in the names of the borrower and Zazipay.
Installation of a tracking device by an approved tracking company.