Get funded fast. Keep your business moving.
Four ways to put capital to work, each matched to a real moment in the life of a Kenyan business.
Working Capital
Short on cash between sales? Get the funds to restock, pay suppliers and keep operations running without the wait.
- Cover day-to-day running costs
- Pay suppliers on time
- Repay as sales come in
Inventory Finance
Stock up before demand spikes. Get financing to buy inventory now and pay as it sells.
- Buy stock ahead of peak season
- Never miss a sale to empty shelves
- Align repayments with sell-through
LPO Financing
Won a local purchase order but need capital to fulfil it? We've got you covered from order to delivery.
- Fund confirmed purchase orders
- Deliver large contracts with confidence
- Capital from order to delivery
Float Financing
Bridge the gap between payments. Access short-term funds to keep your cash flow smooth when timing doesn't line up.
- Smooth out settlement gaps
- Keep float available for the till
- Short-term, fast and flexible
Get funded in 3 steps
Connect your sales data
We use your Veira transaction history to assess your eligibility in real time. No long forms, no guesswork.
Pick your loan type
Choose working capital, inventory, LPO or float financing based on what your business needs right now.
Get disbursed fast
Approved funds land directly in your M-Pesa or business account, ready to put to work.
Capital without the bank queue
No collateral
Your sales history does the talking. No title deeds, no logbooks, no guarantors to chase.
Apply with M-Pesa or Veira data
Eligibility is built from the payments you already take, so applying takes minutes.
Real-time decisions
We assess your business as it actually trades, not on paperwork from months ago.
Repay as you sell
Repayments are designed around your cash flow, not a rigid calendar that ignores slow weeks.
No bank queues
Skip the branch visits and the waiting. The whole journey lives in your pocket.
Built for MSMEs
Made for dukas, kiosks, restaurants and growing shops, not just big corporates.
Four ways the timing problem gets solved
Most financing needs are timing problems rather than shortfalls. Match the facility to the gap you actually have.
Stock up before the rush, not after it
For businesses whose sales depend on having the shelves full at the right moment. The constraint is timing rather than demand: the stock has to be paid for before the weekend or the season that will sell it.
Cover the gap between quiet weeks and fixed costs
Suppliers, rent and salaries fall due on their own schedule, which rarely matches the shape of your takings. Working capital smooths that gap rather than funding growth.
Deliver an order larger than your cash position
You have won a purchase order you cannot fund from current stock or cash. The order itself is the security, so the question is whether you can deliver it, not whether you can pre-fund it.
Keep the till moving when payments have not landed
For businesses where money is owed to you but has not yet arrived. Float covers the interval so a customer at the counter never hears that you have run out.
See what your business qualifies for
Check your eligibility in minutes using the sales you already make. No collateral, no paperwork, no queues.
Business loan questions, answered
Who qualifies for a Veira business loan?
Active micro, small and medium businesses trading in Kenya that take payments through Veira or M-Pesa. Because eligibility is built from your real sales history, the more you trade through Veira, the clearer the picture and the faster the decision.
Do I need collateral?
No. Veira financing is built on your sales history rather than physical assets, so there are no title deeds, logbooks or guarantors required.
How is my eligibility decided?
We look at how your business actually trades: the payments you take through Veira and M-Pesa, your sales patterns and your cash flow. This is assessed in real time, so the offer reflects your business today, not paperwork from months ago.
How fast can I get the money?
Once you are approved, funds are sent straight to your M-Pesa or business account so you can put them to work quickly. There are no branch visits or long queues to slow you down.
What can I use a business loan for?
Restocking inventory, paying suppliers, fulfilling a local purchase order, smoothing a cash-flow gap, or covering the day-to-day costs of running and growing your shop.
What loan types are available?
Four: working capital for everyday running costs, inventory finance to buy stock ahead of demand, LPO financing to fulfil confirmed purchase orders, and float financing to bridge short-term gaps between payments.
How do I repay?
Repayments are designed to follow your cash flow rather than ignore it, so they fit the way your sales actually come in. The full terms are shown clearly before you accept anything.
How much can I borrow?
Your offer is based on your sales history and what your business needs. You will see exactly what you qualify for, and the terms that come with it, before you decide to proceed.
Do I have to be a Veira customer?
Using Veira gives the richest, most up-to-date view of your sales, which generally means a faster and more accurate decision. Your M-Pesa history can also be part of the assessment.
Is there a lot of paperwork?
No. Checking your eligibility takes only a few minutes and happens digitally. There are no long forms and no queues.
Keep exploring
More on funding, payments and running a healthy Kenyan business.
The complete guide to financing options for Kenyan businesses.
Margin, M-Pesa fee, VAT and PAYE tools to plan your numbers.
See how Veira fits restaurants, dukas, pharmacies and more.
Stay compliant while you grow, with eTIMS done for you.
Practical reads on cash flow, tax and managing money.
Questions about financing for your business? Reach the team.
Every lender on this page wants the same thing: records that show what the business actually earns. That is the part most Kenyan businesses cannot produce, and it is the part Veira produces by default -- every sale, every M-Pesa payment, every month, without extra work at application time.
Need help, or want to talk it through first? Chat with us on WhatsApp