Grow your business with fast, collateral-free funding
Get reliable business funding from Ksh 5,000 to Ksh 100,000. Apply entirely online in under 15 minutes and receive money directly to your registered M-Pesa account.
Confirm Ksh 50,000 received from BranchLoan Kenya. Ref: TH89FD304S on 12/10/2026.
Welcome back
Sasa, Wanjiku! 👋
Ksh 50,000
Repayment rate: 100%
Next Repayment Due
Ksh 1,250 in 6 days
840/900
High TrustKsh 75,000
Pre-approvedData Security
ODPC Registered
Three steps between you and your cash.
No branch visits, no guarantors, no photocopies. The entire application happens on your phone.
Tell us about your business
Enter your M-Pesa number and a few details about your business. We check your transaction history, not your paperwork.
We assess your limit instantly
Our scoring model reads your cash flow patterns and sets a limit that fits your business, not a generic bracket.
Cash lands in your M-Pesa
Accept the offer and funds arrive by STK Push. Most customers are trading with the money within the hour.
See exactly what you'd repay.
Move the sliders — the numbers update instantly, with no obligation to apply.
Financing Made for Your Industry
We provide tailored, collateral-free working capital solutions to meet the unique daily operating needs of micro-entrepreneurs across Kenya.
Retail & small shops
Instant capital payouts on your registered line.
Agriculture & farming
Instant capital payouts on your registered line.
Transport services
Instant capital payouts on your registered line.
Salon & beauty services
Instant capital payouts on your registered line.
Food & restaurant vendors
Instant capital payouts on your registered line.
Wholesale & distribution
Instant capital payouts on your registered line.
Where we stand, plainly stated
Lending is a relationship built on trust. Here is our regulatory status and how we protect you, with no fine print.
Data protection
We are registered with the Office of the Data Protection Commissioner (ODPC) under Kenya's Data Protection Act, 2019. Your National ID and phone number are used strictly for identity verification and are never sold to third parties.
Regulatory status
Our digital credit provider license application is currently in progress with the Central Bank of Kenya (CBK), in line with the Central Bank of Kenya (Digital Credit Providers) Regulations, 2022. We operate transparently while this process is underway and will update this page the moment it's finalized.
Always reachable
Every application is trackable in real time by phone number, and our support line is staffed for questions before, during, and after you apply — no call centers routed overseas.
Trusted by shopkeepers across Kenya
“BranchLoan helped me restock my shop when suppliers arrived unexpectedly. Quick and transparent from start to finish.”
Wanjiku M.
Retail shop owner · Kiambu County
“I applied on my phone during a break and had the funds the same day. No queues, no guarantor headaches.”
Otieno K.
Boda boda operator · Kisumu County
“The status tracker meant I always knew exactly where my application stood. That kind of clarity is rare.”
Amina S.
Salon owner · Mombasa County
Frequently asked questions
What is the processing fee actually for, and is it refundable?
The processing fee covers identity verification against official records, credit risk assessment, and the withholding tax we remit to KRA on your behalf without deducting it from your loan. It is non-refundable and does not guarantee approval — this is disclosed upfront before you pay.
Is BranchLoan licensed to lend in Kenya?
We are registered with the Office of the Data Protection Commissioner (ODPC). Our digital credit provider license application is currently in progress with the Central Bank of Kenya (CBK). See our full trust & licensing details above for more.
Is my personal data safe with BranchLoan?
Yes. Your National ID and phone number are used only for identity verification and are never sold to third parties. We operate under the Kenya Data Protection Act, 2019.
What happens if my application is rejected?
You will see the rejection reason on your status page and can contact support for clarification. The processing fee is not refunded, as it covers the verification work already performed.
How long does approval take?
Most applications are reviewed within 15 minutes to same-day, once your processing fee payment is confirmed via M-Pesa.
How is money paid out and repaid?
Approved funds are disbursed directly to your M-Pesa line. Repayment terms and amounts are shown clearly on your loan package before you confirm your application.
Ready to expand your business?
Join the thousands of small shopkeepers, farmers, and business owners across Kenya who rely on BranchLoan for their daily working capital.