Our Products
SME Loans
Working-capital and growth financing for small and medium-sized enterprises.
Spectrum Credit Limited
Designed around your goals
Our team works with you to understand your financing need, review your application and guide you through the next steps with clear communication.
What to expect
- Customer-focused guidance
- Clear application requirements
- Credit and affordability assessment
- Transparent documentation and terms
- Dedicated support through the process
Application checklist
Typical requirements
Have these documents ready to help us review your application efficiently. Final requirements may vary after assessment.
01National ID / Passport and KRA PIN
02Business registration certificate / company documents
03Recent bank and/or M-Pesa statements
04Business records or proof of cash flow
05Security/collateral documents where applicable
How it works
01
Apply
Share your details and financing need.
02
Review
We assess documents, eligibility and affordability.
03
Approve
Approved applicants receive terms and documentation.
04
Disburse
Funds are released after final verification and signing.