Business Loan
Long-term loan
Running a business means always planning ahead. Whether you’re restocking, upgrading equipment, expanding your space, or managing cash flow, our long-term business loan gives you flexible financing to keep moving forward.
Whether you’re expanding, restocking, or investing in the future of your business, this loan is designed to help you grow with confidence and build long-term stability.
What you can use it for
The loan can be used for stock, equipment, expansion, working capital, and other long-term business needs.
Why Fortune Credit
- Reliable financing for business growth
- Flexible repayment options
- Supports day-to-day cash flow needs
- Practical guidance, not just financing
- Simple and straightforward application
What our clients say
“I started small with KSh 10,000 and my business has grown to KSh 20,000 and beyond. Fortune Credit has really helped me when I needed support the most.”
Lilian Bochaberi
Fortune Credit Client
“Apart from shop, I also run a kinyozi na nimeajiri mfanyikazi. The two businesses have continued to grow since joining Fortune credit.”
Walter Ong’uso
Fortune Credit Client
“My business has really grown from selling 2 sacks of ginger to now selling 5 sacks. I am very grateful for the support.”
Jane Muiruri
Fortune Credit Client
Frequently asked questions about the Business Loan
About the Loan
What is the Business Loan?
The Business Loan is a long-term business financing solution designed for small businesses and traders to meet day-to-day business expenses such as purchasing stock, paying suppliers, rent, employee wages, and transport costs.
What can I use the loan for?
The loan can be used for:
- Restocking goods for your shop or business
- Paying suppliers or wholesalers
- Settling rent or business licences
- Paying employee salaries
- Covering transport and logistics costs
- Bulk purchasing for groups to benefit from better pricing
Who qualifies to apply?
To qualify, you must:
- Be a Kenyan citizen aged 18 years and above
- Have an active business that has been operating for at least 6 months
Groups can also apply if they:
- Have at least 20 members
- Provide a membership list
- Submit meeting minutes for the previous 6 months
- Provide a registration certificate (where applicable)
Application Process
How do I apply?
- Visit your nearest Fortune Credit branch.
- Complete and sign the loan application form.
- Submit the required documents.
- A loan officer will assess and verify your business.
- Once approved, your loan will be processed and disbursed.
What documents are required?
Individual applicants should provide:
- Original National ID
- KRA PIN Certificate
- 12 months of M-PESA statements
- Business permit, licence, or registration documents
- Guarantor details and ID copy
- Next of kin details
- CRB report
- Collateral details (where applicable)
Group applicants should additionally provide:
- Membership list
- Meeting minutes for the last 6 months
- Registration certificate (if applicable)
How long does approval take?
Approval is typically completed within 1 working day after successful verification.
Disbursement & Repayment
How will I receive the funds?
The approved loan amount is disbursed directly to your M-PESA account.
What is the repayment period?
Repayment periods range from 1 week to 6 months, depending on the loan type. Flexible repayment options include daily, weekly, or monthly installments.
How do I make repayments?
Repayments can be made through:
- M-PESA Paybill: 4075059
- Account Number: Your National ID Number
Can I repay early?
Yes. Early repayment is encouraged and may help you qualify for higher loan amounts in the future.
Account Management
How can I check my loan balance?
You can:
- Receive an SMS confirmation after making a payment
- Dial *6651515#
- Visit any Fortune Credit branch
- Contact your loan officer
What happens if I miss a payment?
If you are unable to make a repayment:
- Contact your loan officer immediately
- Work together to find a suitable repayment solution
Failure to address missed repayments may result in penalties, reduced future borrowing limits, or recovery action where applicable.
Can I take another loan?
Yes. Once you have fully repaid your current loan, you may apply for another loan. Customers with a strong repayment history may qualify for higher loan amounts.
Customer Support
How can I get assistance?
For any questions about your loan:
- Contact your assigned Loan Officer
- Visit your nearest Fortune Credit branch
- Find branch contact details on the Contact Us page on our website
Ready to Apply?
Talk to us today or apply directly on our website. Our team will walk with you through every step.