Business Loan Eligibility Checker (Kenya)

This loan eligibility checker estimates how much your Kenyan business could borrow from your average monthly sales, how long you have been trading and what you need the money for. Enter your figures for an indicative amount, then generate an AI assessment of your next step.

Calculator

Average monthly sales (KES)

Months your business has been trading

What is the loan for?

Existing monthly loan repayments (KES)

Result

You could qualify for up to KES 400,000.00

Indicative qualifying amountKES 400,000.00

Indicative monthly repaymentKES 36,672.00

Indicative term12 months

Monthly repayment headroomKES 80,000.00

Eligibility signalGood

Indicative estimate only, not a loan offer. Figures use an 18% reducing-balance rate over 12 months and keep repayments within about a fifth of your sales. A live decision is based on your real sales history.

AI-generated draft. Review and edit before you use it.

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How this loan eligibility checker estimates your amount

The estimate blends two limits. The first is a revenue limit: lenders typically advance a multiple of your monthly sales, and that multiple grows the longer your business has traded. The second is an affordability limit: the monthly repayment is kept within roughly a fifth of your sales once any existing loan repayments are taken out. The lower of the two becomes your indicative amount.

The figures are deliberately conservative and rounded down, so they are a planning estimate rather than a promise. A real lending decision looks at your actual, verifiable sales history rather than a single typed-in number.

What raises the amount you can borrow

Three things move the number the most: trading for longer, recording more of your sales through one system so they are easy to verify, and reducing the repayments you already carry. A business taking clean, consistent digital payments is far easier to lend to than one whose sales are invisible.

Matching the loan type to the need also helps. Short, self-liquidating needs like fulfilling a purchase order are assessed differently from longer expansion or asset finance.

Worked examples

Duka with KES 400k monthly sales, trading 12 months, working capital

Indicative qualifying amount ≈ KES 400,000
Indicative monthly repayment ≈ KES 36,700 over 12 months

New shop trading 4 months

Limited history caps the estimate
Focus on a few more months of recorded sales first

Frequently asked questions

Is this an actual loan offer?

No. It is an indicative estimate based on the figures you enter, to help you plan. A real lending decision uses your verifiable sales history and the lender's own criteria.

How is the amount calculated?

It takes the lower of two limits: a multiple of your monthly sales (scaled by how long you have traded) and an affordability limit that keeps repayments within about a fifth of your sales after existing debt.

Why does time trading matter so much?

A longer, steadier track record is easier to verify and lower risk for a lender, so it usually unlocks a larger advance.

What interest rate does it assume?

An indicative 18% annual reducing-balance rate for the repayment figures. Real pricing varies by lender and may include fees and insurance.

Do I need to be a Veira customer?

No, you can use the checker freely. Taking your payments through Veira does give a richer, up-to-date view of your sales, which generally makes a real decision faster and more accurate.

How can I increase how much I qualify for?

Trade for longer, record more of your sales digitally so they are verifiable, match the loan type to the need, and reduce the repayments you already carry.