CBK Licensed · Instant Disbursement

Fast Business Loans for Growing Kenyan Enterprises

Instant approval. No collateral. Built for small businesses, farmers, traders & entrepreneurs across Kenya.

No Collateral
Funds in Minutes
M-Pesa Ready

Trusted by 30,000+ clients across Kenya

Micro-entrepreneurs Small-holder farmers Market vendors Salon owners Retail shopkeepers Micro-entrepreneurs Small-holder farmers Market vendors Salon owners Retail shopkeepers Micro-entrepreneurs Small-holder farmers Market vendors Salon owners Retail shopkeepers Micro-entrepreneurs Small-holder farmers Market vendors Salon owners Retail shopkeepers
SHABA Business Loan

Product

SHABA Loan

Our Product

Empower Your Business with SHABA

The SHABA Business Loan is specifically designed for Kenyan entrepreneurs who need quick, reliable capital to scale their operations. We believe in your potential, not just your paperwork.

No Collateral

Access funds without pledging your assets.

6 Months Ops

Minimum business operation requirement.

Flexible Growth

Repayment terms that match your cash flow.

Instant Cash

Direct disbursement to your M-Pesa.

Our Process

Simple Loan Process

From application to cash in your account - four simple steps

Get Onboarded

Submit your basic business and identification documents for verification.

Apply Loan

Select the loan amount that suits your business needs and repayment capacity.

Approve Loan

Our team reviews your application and notifies you of the decision quickly.

Get Your money

Funds are disbursed directly to your M-Pesa within 24 hours of approval.

Our Impact

Numbers That Speak
For Our Success

30K+

Happy Clients

$10M+

Disbursed

95%

Satisfaction

24/7

Support

J

Joseph Muthee

Consumer Electronics Retailer

"Brisk Credit helped me expand my electronics business when demand increased. The process was fast and transparent!"

F

Fredrick Omondi

Fashion & Tailoring Specialist

"Brisk Credit helped me grow my tailoring business when orders increased. The process was fast and reliable!"

J

Juliana Akinyi Okiya

Hospitality Entrepreneur

"Brisk Credit helped me renovate my hotel when I needed upgrades. The process was fast and flexible!"

J

Joseph Muthee

Consumer Electronics Retailer

"Brisk Credit helped me expand my electronics business when demand increased. The process was fast and transparent!"

F

Fredrick Omondi

Fashion & Tailoring Specialist

"Brisk Credit helped me grow my tailoring business when orders increased. The process was fast and reliable!"

J

Juliana Akinyi Okiya

Hospitality Entrepreneur

"Brisk Credit helped me renovate my hotel when I needed upgrades. The process was fast and flexible!"

C

Catherine Wangechi

Wholesale Distribution Trader

"Brisk Credit helped me maintain stock for my wholesale business when demand grew. The process was fast and smooth!"

P

Peter Kariuki

Barbershop & Grooming Specialist

"Brisk Credit helped me upgrade my barbershop when clients increased. The process was fast and simple!"

P

Pauline Njeri

Catering & Hospitality Owner

"Brisk Credit helped me expand my catering business when events increased. The process was fast and supportive!"

C

Catherine Wangechi

Wholesale Distribution Trader

"Brisk Credit helped me maintain stock for my wholesale business when demand grew. The process was fast and smooth!"

P

Peter Kariuki

Barbershop & Grooming Specialist

"Brisk Credit helped me upgrade my barbershop when clients increased. The process was fast and simple!"

P

Pauline Njeri

Catering & Hospitality Owner

"Brisk Credit helped me expand my catering business when events increased. The process was fast and supportive!"

Nationwide Service

Our Regional Network

Kenya Map
42 Locations

Serving All of Kenya

We understand that we are operating in a dynamic environment and have evolved our strategy to maximize the opportunity in an increasingly digital world. With our full regional network, we are evolving to meet the changing needs of millions of customers across different borders. We are looking to expand from Kenya to the neighbouring countries.

Central Rift

6 Branches

Naivasha

Nakuru Central

Molo

Njoro

Nakuru Pipeline

Gilgil

Mt Kenya

8 Branches

Muranga

Kerugoya

Karatina

Nyeri

Mwea

Embu

Chuka

Meru

Nairobi East

10 Branches

Donholm

Utawala

Embakasi

Ruai

Mlolongo

Kayole

Kitengela

Jogoo Road

Machakos

Kajiado

Nairobi North

10 Branches

Roysambu

Kasarani

Kariobangi

Kiambu

Ruiru

Githurai

Ruaka

Juja

Thika

Kenol

Nairobi South

8 Branches

Kawangware

Kinoo

Dagoretti

Wangige

Rongai

Ngong

Kiserian

Limuru

FAQs

The questions we oftenly get asked

For our SHABA Business Loan, you can borrow between Ksh 10,000 and Ksh 500,000 depending on your business profile and repayment capacity.
Once your application is approved and all documents are verified, funds are typically disbursed within 24 to 48 hours.
You need a valid ID, proof of business (for business loans), 6 months bank/M-Pesa statements, and a guarantor in some cases.
Repayments can be made via M-Pesa Paybill or direct bank transfer as specified in your loan agreement.
Yes, you can settle your loan early without any penalty fees.
We encourage you to contact us immediately. Late payments may attract a penalty fee as outlined in your contract.
Absolutely. We use industry-standard encryption to protect your personal and financial information.
Most of our micro-loans are unsecured, but larger business loans may require some form of security.

Latest Articles & Advertisements

News & Updates

Job Opening: Branch Manager
July 4, 2026

Job Opening: Branch Manager

We are hiring! Join our growing team as a Relationship Officer and help empower entrepreneurs across Kenya.

Job Opening: Relationship Officer
July 4, 2026

Job Opening: Relationship Officer

We are hiring! Join our growing team as a Relationship Officer and help empower entrepreneurs across Kenya.

Job Opening: Sales Agents
July 4, 2026

Job Opening: Sales Agents

We are hiring! Join our growing team as a Relationship Officer and help empower entrepreneurs across Kenya.

Ready to take your business to the next level?

Join over 30,000 entrepreneurs who have grown their businesses with Brisk Credit. Apply today and get funded within 24 hours.

Get In Touch

let's Get Your
Business Growing

Ready to apply or just have questions? Our team is here to help. Reach out and we'll get back to you within hours.

Visit Us

Commodore Suites, Kilimani

Off Ngong Road, Nairobi, Kenya

Call Us

+254 713 329 268

Mon–Fri 8am–5pm · Sat 8am–1pm

Email Us

[email protected]

Off Ngong Road, Nairobi, Kenya

Working Hours

Mon–Fri: 8:00am – 5:00pm

Sat: 8:00am – 1:00pm · Sun: Closed

Send Us a Message

we'll respond within 24 hours