Instant Business Loans, Sent Straight to Your M-Pesa
Loan mara that-that to your M-Pesa!
No security. No long forms. Borrow from KES 5,000 up to 100,000 — sent to your M-Pesa instantly, wherever you are in Kenya. Brisk Credit is a trusted lending company for fast business loans, unsecured loans, and SHABA financing.
Trusted by 30,000+ clients across Kenya
Built for the everyday businesses that move Kenya forward - from market stalls to farm groups and growing retail shops.
Loan range
KES 5,000-100,000
Term
30 days
Security
No collateral
Flagship
SHABA Loan
Capital that moves as fast as your business
SHABA gives Kenyan entrepreneurs quick, unsecured working capital for stock, equipment, emergencies and growth moments - with a simple repayment rhythm and M-Pesa convenience.
No collateral
Borrow without pledging property or heavy paperwork.
Quick decision
Designed for the day you need stock, repairs or cash flow.
Simple repayment
A clear 30-day cycle with transparent terms.
M-Pesa ready
Disbursement and repayment built around mobile money.
Where women & youth farmers grow their future
Group capital for poultry, dairy and horticulture — built to put young people to work, empower women, and turn every harvest into lasting prosperity.
- Made for women & youth self-help groups
- Up to KSh 100,000 every 30-day cycle
- Creates jobs & income for young farmers
- Simple terms — 10% flat, KSh 500 one-off registration
Youth-led & women-owned
Empowering the next generation of farmers
The bike is the business.
Fund it like one.
A boda boda loan built around how riders actually earn — daily, in cash, on the road. No collateral, no logbook held, no guarantor chase. Approved and sent straight to your M-Pesa.
- Own your bike Stop paying daily hire to someone else
- Fuel & daily float Start the day with a full tank, not a loan from a friend
- Spares & service Tyres, chain, brakes — fixed today, earning tomorrow
- Insurance & licence Stay compliant, stay on the road
Shaba Rider terms
30%
for the 30-day cycle
21%
if you finish by day 21
- Amount
- KSh 5,000 – 100,000
- Security
- None — unsecured
- Disbursement
- M-Pesa, same day
- Registration
- KSh 500 one-off
- Repay via
- Paybill 4106969
Registration is a one-off charge per client and is never deducted from your loan. Final terms are confirmed on approval.
Know your number before you commit.
Choose an amount and see the estimated total instantly. The terms stay readable because trust should feel designed, not hidden.
Interest
30%
Only 21% ukilipa ndani ya siku 21
Cycle
30 days
Repayment channel
M-Pesa Paybill 4106969
Loan calculator
Pick your working capital amount
30-day repayment period
Every Brisk loan runs one clear cycle.
Your estimate
Lipa ndani ya siku 21 — 21% only
Repay and save
Illustrative estimate only. Final terms are confirmed on approval. Registration fee is a one-off charge, separate from the loan repayment.
01
Apply
02
Approve
03
Disburse
Speed promise
Cash to M-Pesa
A clean path from idea to capital.
The flow is intentionally simple: verify the basics, choose what your business needs, get reviewed, and receive funds directly on your phone.
Apply
Share your ID and a few details about your business.
Choose amount
Pick what fits your need, from stock boosts to equipment.
Get reviewed
Our team checks the details fast and keeps the decision clear.
Receive funds
Approved funds are sent straight to your M-Pesa.
The lender built around real Kenyan businesses.
Relationship officers, simple pricing, mobile speed and nationwide reach - the things that make Brisk feel less like a lender and more like a growth partner.
Tailor-Made Products
Loans built around your business and cash flow — never a one-size-fits-all formula.
Extensive Branch Network
42 branches countrywide, with a relationship officer who is never far away.
24-Hour Mobile Access
Apply, track and repay straight from your phone — any time, day or night.
Lower Interest Rates
Fairer, more transparent pricing than typical digital lenders and peers.
Relationship Management
Dedicated officers who know you and your business by name, not by file number.
Local Ownership
Proudly Kenyan-owned and managed, reinvesting in the communities we serve.
Instant Loan Processing
From application to M-Pesa disbursement — instantly, the moment you are approved.
Proof you can feel in the businesses we fund.
From first-stock purchases to serious branch growth, Brisk Credit is helping entrepreneurs keep momentum when timing matters.
0+
Clients served
KSh 0B+
Disbursed
0%+
Repayment rate
0%
Women borrowers
Joseph Muthee
Consumer Electronics Retailer
"My electronics shop finally grew after I got quick financing during a busy season. Everything moved faster than I expected."
Fredrick Omondi
Fashion & Tailoring Specialist
"Orders were increasing and I needed extra machines fast. The process was smooth and I didn’t lose any clients."
Juliana Akinyi Okiya
Hospitality Entrepreneur
"I managed to renovate my hotel without shutting down operations. The support came at the right time."
Joseph Muthee
Consumer Electronics Retailer
"My electronics shop finally grew after I got quick financing during a busy season. Everything moved faster than I expected."
Fredrick Omondi
Fashion & Tailoring Specialist
"Orders were increasing and I needed extra machines fast. The process was smooth and I didn’t lose any clients."
Juliana Akinyi Okiya
Hospitality Entrepreneur
"I managed to renovate my hotel without shutting down operations. The support came at the right time."
Catherine Wangechi
Wholesale Distribution Trader
"Stock shortages used to stress me, but now I can restock quickly and keep up with demand."
Peter Kariuki
Barbershop & Grooming Specialist
"I upgraded my shop and started getting more walk-in clients almost immediately after."
Pauline Njeri
Catering & Hospitality Owner
"The extra equipment helped me handle bigger events without delays or stress."
Catherine Wangechi
Wholesale Distribution Trader
"Stock shortages used to stress me, but now I can restock quickly and keep up with demand."
Peter Kariuki
Barbershop & Grooming Specialist
"I upgraded my shop and started getting more walk-in clients almost immediately after."
Pauline Njeri
Catering & Hospitality Owner
"The extra equipment helped me handle bigger events without delays or stress."
A branch network built close to the people it serves.
From Nairobi to Mt Kenya and the Rift, Brisk combines mobile lending speed with physical relationship officers who understand local businesses.
5
Active regions
42
Service points
Serving all of Kenya
Our network lets customers apply digitally while still having access to branch teams who know the markets, towns and businesses they serve.
Central Rift
6 branches - 3,592 clients
Mt Kenya
8 branches - 3,976 clients
Nairobi East
10 branches - 8,758 clients
Nairobi North
10 branches - 8,735 clients
Clear answers before you borrow.
The important details are easy to find: how much you can borrow, how fast funds move, what you need, and how repayment works.
Opportunities at the front line of lending.
Latest openings and announcements from Brisk Credit as the network grows across Kenya.
Job Opening: Branch Manager
Lead and oversee full branch operations, ensuring strong performance, compliance, and team productivity. You will be responsible for driving strategic growth, managing staff, and maintaining excellent service delivery across all branch activities.
Job Opening: Loan Sales Agent
Join our frontline sales team and actively connect clients to affordable loan solutions. You will engage prospects, generate leads, and help entrepreneurs access fast, flexible financing to grow their businesses.
Your business does not have to wait for capital.
Join over 30,000 business owners who have grown with Brisk Credit. Apply today and get moving with instant, unsecured support.
30K+
Clients
KES 100K
Limit
30 days
Cycle
Need money today?
Let's sort you out.
Fill this short form — it takes one minute. Our team calls you today. No long forms, no collateral. Jaza fomu hii fupi, tunakupigia leo.
Tell us about you
Your name, phone, ID and how much you need. Jina, simu, kitambulisho.
We call you today
A Brisk officer confirms your details on the phone. Tunakupigia simu leo.
Get your money on M-Pesa
Approved cash lands straight in your phone. Pata pesa kwa M-Pesa.
It only takes 1 minute.
Fill in the boxes below and tap send. We do the rest. Jaza, bonyeza tuma — sisi tunashughulikia mengine.
Tumepokea! Request received 🎉
Asante! Your loan request is already with our team and we'll call you today to confirm and approve. If WhatsApp did not open, tap below to send us your details directly.
Continue on WhatsAppLet's get your business growing.
Ready to apply or just have questions? Our team is close enough to understand your branch, market and business rhythm.
Response window
We respond within business hours and route you to the nearest team.
Visit Us
Commodore Suites, Kilimani
Off Ngong Road, Nairobi, Kenya
Working Hours
Mon-Fri: 8:00am-5:00pm
Sat: 8:00am-1:00pm
Send us a message
We'll respond within 24 hours.
Licensed digital credit provider
Licensed by the Central Bank of Kenya
Brisk Credit Limited is a Digital Credit Provider (DCP) duly licensed and regulated by the Central Bank of Kenya under the Central Bank of Kenya Act and the Digital Credit Providers Regulations.
Our guarantee partner
Backed by the African Guarantee Fund
AGF is the Pan-African institution that issues partial loan guarantees to Partner Financial Institutions across the continent. It does not lend to businesses directly — it shares the lending risk with institutions like Brisk. That risk-sharing is what stands behind our no-collateral promise: a farmer, boda rider or shopkeeper with no title deed and no logbook is not a borrower most lenders can say yes to.
The programme
FinRISE
Financial Resilience through Institutional Strengthening and Expansion — a three-year initiative led by the African Guarantee Fund in partnership with the Mastercard Foundation, helping financial institutions serve youth- and women-led micro and small enterprises.
- Target
- 80,000 jobs
- To young women
- 70%
- Running
- 2024 – 2027
- Countries
- Kenya, Côte d’Ivoire, Zambia
On the podium
AGF Blended Finance Dialogue
Our Managing Director joins the panel on “Beyond Derisking: How the FinRISE Model is Catalysing Blended Finance for Africa’s Agrifood Micro Enterprises”.
Stanley Munyao · Managing Director, Brisk Credit Limited
· Marriott Hotel, Kigali
Held alongside the Africa Food Systems Forum 2026, the 20th annual forum, at the Kigali Convention Centre.
African Guarantee Fund, at a glance
USD 2.75B
Guarantees issued
256
Partner institutions
44
African countries
Fitch AA
Rated
Figures published by the African Guarantee Fund at agf.africa. Brisk Credit Limited is licensed and regulated by the Central Bank of Kenya as a Digital Credit Provider.
Visit the African Guarantee Fund