Financing your business dreams.
Business loans from KES 100,000, secured by your logbook or title deed. Decision the same business day.
- Vehicle logbookYour security
- AppraisalDecision the same business day
- KES 1,500,000Paid to your bank account
Your loan at a glance
- Amount
- KES 1,500,000
- Security
- Vehicle logbook
- Repayment
- 18 months
- Decision
- Same business day
Loans secured by your logbook or title deed.
From KES 100,000, for Kenyan businesses. Decision the same business day.
Listed on CRB? You can still apply.
- KES 3B+
- Lent to Kenyan businesses
- 1,000+
- Businesses funded
- 24 hours
- From approval to your account
Three steps to your money.
Answer four quick questions online. It takes about a minute.
Check if you qualifyFive loans for how you work.
Every loan starts at KES 100,000 and is secured by a logbook or title deed.
See your monthly repayment before you apply.
Move the sliders for an estimate. We confirm your exact rate and total cost in writing before you sign.
Your written quote shows
- Your interest rate and all fees
- Your monthly repayment
- The total cost of credit
- No penalty if you repay early
Repayment Calculator
Estimate your monthly repayment before you apply
* Indicative estimate using reducing-balance method. Your actual rate depends on your profile, security, and loan type. Dream Credit will confirm the exact rate and Total Cost of Credit before disbursement, as required by the Central Bank of Kenya.
What our clients say.
“Shelves were empty, peak season was starting. Dream Credit funded me in under 24 hours. Revenue is up 3x.”
“Applied Monday, had the money Wednesday. Fleet has doubled since.”
“They let me repay after harvest, not before. First lender that actually gets how farming works.”
Questions people ask us.
Do I need security?
Yes. Every loan is secured by a vehicle logbook or a land title deed.
Can I apply if I am listed on CRB?
Yes. We check CRB, but a listing does not rule you out.
How much can I borrow?
Loans start from KES 100,000. There is no fixed maximum: the amount depends on your business and your security.
How quickly can I get the money?
Once your application and documents are approved, we pay into your bank account within 24 hours.
What documents do I need?
Your national ID, KRA PIN and your logbook or title deed. We may also ask for bank statements, depending on the loan.
Is there a penalty for repaying early?
No. You can repay early and pay interest only for the months you used.
How do I repay?
You get your repayment details when the loan is disbursed.