Unlock KES 350K–9M in business capital using your logbook.
Structured financing for registered Kenyan SMEs — not quick personal loans. We visit your business, understand your cash flow, and tailor the terms around you.
Request SME Financing
Tell us about your business. We'll reach out within 48 hours.
🔒 Your data is secure and never sold
⏱ We call back within 4 business hours
✅ Licensed Kenyan lender since 2019
This is structured business financing. Our minimum is KES 350,000. We work only with registered Kenyan businesses that have a vehicle logbook and a clear capacity to repay.
Who qualifies
Core requirements — must meet all three
Registered Kenyan Business
Certificate of incorporation or business name registration required. Sole traders, partnerships, and limited companies all considered.
Vehicle Logbook as Security
A clean, encumbrance-free logbook registered in your name or your business's name. Vehicle must be in good running condition.
Financing Amount: KES 350,000 – 9,000,000
Final amount is determined by business assessment and vehicle value. We do not offer financing below KES 350,000.
Supporting requirements — assessed during the process
Business Documentation
6 months bank statements, KRA PIN, national ID of director(s). Collected by your relationship manager at their visit.
Verifiable Physical Location
Your business must operate from a physical, visitable premises in Kenya. Our relationship manager will visit before an offer is prepared.
Demonstrated Repayment Capacity
We assess your business cash flow to ensure the loan is serviceable. We do not over-lend — your ability to repay matters as much as your collateral.
Businesses we typically finance
Transport & Logistics
Fleet expansion · fuel & maintenance capital
Construction & Contracting
Equipment purchase · contract mobilisation
Wholesale & Distribution
Bulk inventory · seasonal stock build-up
Education Suppliers
Inventory · term-aligned working capital
Agricultural Distribution
Seasonal stock · cold chain logistics
Local Manufacturing
Raw materials · equipment upgrades
Don't see your sector? We assess every business on its own merits. If you're registered, operational, and have a logbook, submit an enquiry and we'll advise.
How it works, step by step
Submit your details
Fill in the short form to tell us about your business and financing needs.
⏱ Takes 3 minutesCustomer experience call
A member of the Jackfruit team calls within 4 business hours to understand your business and confirm the basics.
⏱ Within 48 hoursRelationship manager visit
A dedicated relationship manager schedules a visit to your business and collects the necessary documents in person.
⏱ Scheduled at your convenienceCredit assessment
Our credit team reviews your documents and prepares a tailored loan offer with amount, rate, and repayment schedule.
⏱ Within 48 hours of document receiptSign and receive funds
If approved, review and sign the loan agreement. Funds are disbursed directly to your registered business account.
⏱ Within 24 hours of signingAbout Jackfruit Finance
We exist to grow schools and businesses across East Africa