Terms of Service
Last Updated: July 18, 2026
1. Introduction
Welcome to BranchLoan. These Terms of Service ("Terms") govern your use of our platform, application forms, and services in Kenya. By accessing or using our service, you agree to comply with and be bound by these Terms.
2. Eligibility for Micro & Small Business Loans
To apply for a loan with BranchLoan, you must be a resident of Kenya, operate a lawful micro, small, or medium enterprise (MSME), and hold a valid National ID and active M-Pesa registered phone number. We verify all applications against official registration systems in Kenya.
3. Non-Refundable Processing Fees
Every loan package has a specific administrative, technical, and validation processing fee. This fee is payable via M-Pesa, processed securely through our payment partner, Grover Commerce, before your application is sent to our verification queue. By paying the processing fee, you understand and agree that this fee is non-refundable and does not guarantee loan approval. It covers the computational and manual administrative cost of evaluating your credit capability.
4. Electronic Communications and Consent
By providing your phone number, you consent to receive transactional and operational SMS, STK Push payment prompts, and WhatsApp messages regarding your application status, approval steps, and repayment reminders.
5. Limitation of Liability
BranchLoan does not guarantee that your application will be approved, or that the system will be entirely free from delays. We operate on a best-effort, same-day verification standard. Under no circumstances will BranchLoan be liable for any indirect, consequential, or special damages arising out of your loan application process.
6. Governing Law
These Terms are governed by and construed in accordance with the laws of the Republic of Kenya. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the competent courts in Kenya.