Credit you can plan around.
Three core lending products designed for salaried employees, small businesses, and short-term cash needs — delivered through licensed lender partners and within Kenya’s regulatory framework.
Check-Off Loans
Salary-backed loans with visible limits and clear repayment plans — subject to approved employer MOUs and licensed lender partnerships.
- Visible limits, no surprises
- Clear, fixed repayment plans
- Salary-backed security
Business Loans
Straightforward financing for small businesses with flexible daily or weekly repayments — tailored to your industry, through licensed lender partners.
- Flexible daily or weekly repayments
- Industry-tailored terms
- SME, rider, and trader focused
Salary Advance
Bridge the gap until payday with immediate support, clear communication, and repayment terms reviewed and agreed before any funds are disbursed.
- Bridge until payday
- Terms agreed before disbursement
- Quick, transparent processing
From inquiry to disbursement, in three steps.
A short, clear path from first click through follow-up.
Choose your loan
Select Check-Off Loans, Business Loans, or Salary Advance — whichever matches your need.
Submit a clear request
Share your basic details, contact information, and financing need through one simple quote form.
Get reviewed & funded
Our team reviews your request, confirms next steps, and supports you through a clear follow-up path with our licensed partners.
Built on principles, by design.
Five non-negotiables that shape every product, partnership, and policy decision at Rukisha.
Regulatory compliance
Full compliance with applicable laws and regulatory requirements.
Consumer protection & transparency
Putting customers first through transparency in every interaction.
Data privacy & security
Information security and data privacy by default, end‑to‑end.
AML & KYC obligations
Robust Anti‑Money Laundering and Know Your Customer obligations.
Responsible innovation
Responsible digital financial innovation guided by long‑term user wellness.
Licensed-partner collaboration
Collaboration with licensed and regulated financial institutions.
The rollout and availability of Rukisha lending products will remain subject to receipt of the Central Bank of Kenya Digital Credit Provider license and all other applicable approvals, partnerships, and regulatory clearances required under Kenyan law.
Operating within Kenya’s legal and regulatory framework.
Rukisha Solutions Limited will remain fully committed to compliance with:
- The National Payment System Act and Regulations;
- The CBK (Digital Credit Providers) Regulations, 2022;
- All applicable Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements;
- Consumer protection and data privacy laws; and
- All directives, guidelines, and approvals issued by the Central Bank of Kenya and other relevant regulatory bodies.
All proposed products, services, and platform functionalities will remain strictly subject to licensing, regulatory approvals, and partnerships with duly licensed institutions where required under Kenyan law.
Rukisha Solutions Limited will not undertake deposit-taking, e-money issuance, banking, fund management, pension administration, or any other regulated financial activity unless expressly authorized and licensed by the relevant regulatory authorities.
How Rukisha operates within the ecosystem.
Licensed-partner network
All regulated financial products and services offered through the Rukisha platform — including lending, financing, insurance premium financing, and investment-related solutions — will be delivered in partnership with duly licensed and regulated financial institutions, banks, payment service providers, fund managers, insurers, and other authorized entities in accordance with applicable laws and regulations.
Our role on the platform
Rukisha’s role will primarily focus on providing secure technology infrastructure, transaction facilitation, payment integration, and user-directed financial tools within a compliant and transparent digital credit ecosystem.
Beyond direct lending.
Specialized financing facilitation services delivered through licensed partner institutions — for businesses and individuals with specific working-capital or premium-financing needs.
LPO Financing Facilitation
Connections between eligible businesses and licensed financing institutions for LPO financing — subject to partner due diligence, credit assessment, and all applicable regulatory requirements.
Invoice Discounting Facilitation
Eligible businesses access invoice financing facilitation through licensed financial institutions and approved financing partners, subject to applicable regulatory approvals.
Insurance Premium Financing Facilitation
Rukisha will collaborate with licensed financial institutions and insurance providers to facilitate access to insurance premium financing solutions, subject to regulatory approvals and applicable legal requirements.
These solutions are facilitated through duly licensed financing partners. Rukisha does not directly underwrite, hold, or manage funds for these products outside the scope permitted under applicable laws and the Central Bank of Kenya’s licensing framework.
Smart credit. Clear terms. Built for Kenya.
Submit a quote request and our team will follow up with clear next steps — through our licensed lender partners.
Talk to us about Rukisha.
Whether you're an individual saver, a merchant, or a partner institution — we'd love to hear from you. Our team in Nairobi is ready to help.