IndustryApril 12, 202612 min read
Why our partner refuses to deduct from your disbursement
The math is simple. The principle is simpler. Here is why we only work with a lender that holds this line.
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Notes from the lending desk.
Practical, honest writing on credit, cars and Kenyan personal finance, written by the team, not a content farm.
Showing 7 of 7 articles.
RepaymentsMarch 28, 202611 min read
Reducing balance vs flat rate: a worked example
On a KSh 1M, 12-month loan, the difference between the two is roughly KSh 90,000. Here is how to spot the trick in any loan offer.
Read articleApplyingMarch 9, 202610 min read
What a vehicle valuer actually checks
Twenty minutes, a clipboard and a clear methodology. Here is exactly what determines your loan ceiling.
Read articleBusinessFebruary 21, 202613 min read
How to use a logbook loan to grow a business without sinking it
We have watched 9,400 borrowers. Here is the pattern of the ones who turn the loan into more capital, and the ones who do not.
Read articleApplyingFebruary 4, 20269 min read
PSV owners: what changes (and what does not)
Matatu and taxi owners face slightly different valuation logic. We break it down honestly.
Read articleRepaymentsJanuary 18, 202611 min read
The collections call we would never want to make
Default is not a moral failure. It is a cash-flow event. Here is how restructuring works at our partner.
Read articleTrackersJanuary 5, 202610 min read
The truth about GPS trackers (and what your data is used for)
Encrypted, retention-bound and only consulted in recovery cases. Here is what it actually does on your car.
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