KES 100K–10M Business Loans.
Funded in 24 Hours.
Working capital, restocking loans, and structured credit for Kenyan businesses. Apply online in 5 minutes.
- KES 100,000 to KES 10,000,000
- Decision within the same business day
- Funds disbursed within 24 hours of approval
- Repayment aligned to your actual cash flow
- No early repayment penalties
- Named loan officer — not a chatbot
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.
From Application to Cash in 3 Steps
Apply
Fill out your details online or on WhatsApp. Takes under 5 minutes.
Appraisal
We review your documents and call you back the same business day.
Disbursement
Approved? Your money is in your bank account within 24 hours.
What Kenyan Business Owners Say
“Applied Monday, had the money Wednesday. Fleet has doubled since.”
James K.
Transport, Nairobi
“Shelves were empty, peak season was starting. Dream Credit funded me in under 24 hours. Revenue is up 3x.”
Mary W.
Retail, Mombasa
[PLACEHOLDER — CLIENT TO CONFIRM testimonials are real borrowers with consent for advertising]
What You Need to Apply
Total Cost of Credit Disclosure
Representative example: Borrow KES 500,000 over 12 months at [X]% per month reducing balance. Monthly repayment: KES [X]. Total interest: KES [X]. Processing fee: [X]%. Total Cost of Credit: KES [X]. Annual Percentage Rate (APR): [X]%. [PLACEHOLDER — CLIENT TO CONFIRM actual rate schedule]
Dream Credit Limited is licensed by the Central Bank of Kenya — Licence No. [PLACEHOLDER — CLIENT TO CONFIRM]. All loans are subject to credit assessment and approval. Your home or other assets may be at risk if you do not keep up repayments on a loan secured against it.
Ready to Grow Your Business?
5 minutes to apply. 24 hours to funded.