Loading Forty Nine Credit
Business loans for Kenyan SMEs

Working capital that keeps business moving.

Short-term finance for traders, retailers, service providers, artisans and market vendors managing everyday opportunities.

A Kenyan small-business owner reviewing stock
Loan amountKES 5,000–100,000
Tenor1–6 months
RepaymentDaily, weekly, bi-weekly or monthly instalments depending on assessment
What it can support

Finance for practical priorities.

  • Working capital
  • Stock purchase
  • Equipment acquisition
  • Short-term operating costs
  • Practical business expansion
Who it is for

Designed with your income cycle in mind.

  • Traders and retailers
  • Service providers
  • Artisans
  • Market vendors
  • Micro and small enterprises
Before you apply

What we may need to assess.

Requirements can vary after we understand your circumstances. Our team will confirm the exact documents privately.

  • Valid identification and KRA PIN
  • Evidence that the business is operating
  • Trading records, statements or sales evidence
  • Business-site verification where required
  • Cash-flow and affordability assessment
See all loan requirements
01

Individual and group lending options

02

Repayment aligned to the business cash-flow cycle

03

Cash-flow and asset-backed appraisal options

04

Personal guidance through the assessment process

Plan before you apply

Build an illustrative repayment estimate.

Compare flat-rate and reducing-balance calculations. Final terms are confirmed after assessment.

Open the calculator

Ready to speak with our team?

Send your contact details and we’ll explain the next step—without asking for financial documents online.

Request a callback
WhatsApp