Loan Guide

Everything you need to know about acquiring assets through us.

How to Acquire a Loan

A transparent, streamlined process designed to get your business the assets it needs without unnecessary delays.

1

Application

Submit your application along with the required KYC and asset documentation.

2

Appraisal

Our credit committee reviews your business financials and evaluates the asset.

3

Approval

Receive your official offer letter detailing the facility terms and conditions.

4

Disbursement

Upon contract signing and fee payment, funds are released to the vendor.

Loan Requirements

  • Copy of your National ID
  • Copy of your KRA PIN
  • Copy of the Logbook (for used vehicles)
  • Invoice in the name of the applicant (for new assets)
  • Valuation Report
  • 6-month M-Pesa or Bank statement
  • Two colored passport photos

Facilitation Fees

Please note that the following standard fees apply to facilitate the processing of your loan facility.

Car Track Installation

Required for all mobile assets.

Search Fee

For NTSA/Collateral registry searches.

Transfer Fee

Logbook transfer processing.

Due Diligence Fee

For KYC and business verification.

Interactive Tool

Asset Financing Calculator

Estimate your monthly repayments instantly. Select your asset category, value, and desired terms.

2,000,000
500,000 20,000,000
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6 60

Estimated Breakdown

Estimated Monthly Repayment

KES ...

Financing Amount (80%) ...
Interest Rate (Flat) 14% p.a.
Total Payable ...

*This is an estimate. Final terms are subject to credit appraisal and valuation.

Take The Next Step

Ready to structure the perfect capital solution for your enterprise?

Speak to our dedicated asset financing specialists today and discover how Unified Options can fuel your growth without compromising your working capital.