Asset-backed, income-based and employer-backed financing — STEMTIDE CREDIT offers a tight product set instead of a generic loan menu.
Structured employee lending for approved employers — predictable instalments recovered directly through payroll.
Flexible personal financing for salaried, self-employed and repeat borrowers who don’t want — or can’t use — employer checkoff.
Practical SME finance for stock, contracts, invoices and operating capital across traders, suppliers and service businesses.
Asset-backed finance for vehicles, equipment, machinery and commercial assets that help borrowers earn, operate and grow.
Property-income financing for landlords improving units, bridging vacancies, expanding rental stock or unlocking property value.
Indicative ranges for orientation. Final pricing depends on borrower profile, loan size and security structure.
| Loan family | Amount | Tenor | Security | Best for | Turnaround |
|---|---|---|---|---|---|
| Non-Checkoff | KES 10K – 500K | 1 – 12 months | None / income | Salary & SME owners off payroll | 1 – 3 days |
| Landlord | KES 100K – 3M | 3 – 36 months | Rental income / property | Landlords with documented rent | 3 – 7 days |
| Business | KES 50K – 5M | 1 – 36 months | Cash flow / collateral | Traders, suppliers, service SMEs | 2 – 7 days |
| Asset Finance | Up to 80% of asset | 6 – 48 months | Financed asset | Vehicles, machinery, equipment | 5 – 10 days |
| Employee Checkoff | Based on salary | 1 – 36 months | Employer checkoff | Approved-employer staff | 24 – 72 hours |
Apply online, talk to a loan officer, message us on WhatsApp or visit the Mombasa office — every channel reaches the same review team.
Use the calculator to estimate repayment, or start the application directly.
