We're rebuilding logbook lending in Kenya with the customer at the centre.

Our story

In 2024, our founders watched a relative borrow KSh 800,000 against a vehicle worth four times that. By the time the lender's "processing", "valuation", "insurance setup" and "tracker activation" fees were stripped from the disbursement, only KSh 690,000 reached the bank. The interest, of course, was charged on the full KSh 800,000 at a flat rate.

That's the loan economy most Kenyans know. We thought it could be different. We spent six months interviewing twelve micro-finance institutions. We negotiated with one until they agreed to three things: full disbursement, reducing balance, one consolidated 5% fee. That partnership is Cashlog.

Our principles

• Honesty over conversion. If a loan isn't right for you, we'll say so before you sign.
• Speed without shortcuts. Under two hours doesn't mean cutting corners on KYC or valuation. It means re-engineering the workflow.
• People over assets. We restructure first, recover only as a last resort. Our partner's collections policy is published, not whispered.
• One partner, on principle. Multi-lender marketplaces sell your application to the highest bidder. We refuse to do that.