Asset-backed, income-based and employer-backed financing — STEMTIDE CREDIT offers a tight product set instead of a generic loan menu.
Flexible personal financing for salaried, self-employed and repeat borrowers who don’t want — or can’t use — employer checkoff.
Property-income financing for landlords improving units, bridging vacancies, expanding rental stock or unlocking property value.
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.
Structured employee lending for approved employers — predictable instalments recovered directly through payroll.
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 office in Nairobi — every channel reaches the same review team.
Use the calculator to estimate repayment, or start the application directly.
