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1. Asset Financing
Unlock growth with our asset financing solutions, designed for businesses and individuals seeking to acquire equipment, machinery, or vehicles without upfront full payments. Ideal for entrepreneurs, SMEs, and logistics companies looking to scale operations affordably.
- ✅ Finance up to 80% of asset value
- ✅ Personal and commercial vehicles, machinery, and more
- ✅ Custom repayment plans for your cash flow
Eligibility:
- 21+ years old
- National ID or passport
- Recent income proof (payslip or bank statement)
- Quotation from approved vendor
- Minimum 30% down payment
- CRB clearance or alternative guarantor
Apply Now for Quick Approval!
2. Personal Loans
Whether it's a medical emergency, school fees, or personal development, our flexible personal loans give you fast access to cash with minimal paperwork. Available via mobile for ease of use.
- ✅ Loan amounts from KES 5,000 to 300,000
- ✅ Approval within hours
- ✅ Flexible tenure: 1–18 months
Eligibility:
- Minimum age: 18 years
- National ID
- Proof of steady income
- Registered mobile number with mobile wallet (e.g., M-PESA)
Get Your Personal Loan Today!
3. Business Loans
Fuel your business with short and medium-term financing options designed for startups and SMEs. We provide working capital, expansion loans, and invoice financing with quick turnaround.
- ✅ Loans from KES 50,000 to 5M
- ✅ Funds within 16 business hours*
- ✅ No collateral for lower amounts
Eligibility:
- Registered business (6+ months)
- 6 months' bank or M-PESA statements
- Valid business permit or registration certificate
Request a Business Loan Consultation!
4. Mortgage Loans
Turn your dream home into a reality with our mortgage products. We provide financing for buying, constructing, or renovating residential and commercial property with extended repayment terms up to 20 years.
- ✅ Competitive interest rates
- ✅ Flexible property options: land, homes, commercial
- ✅ Construction support and disbursement in phases
Eligibility:
- 21+ years old
- Proof of income or viable business
- Sale agreement or title deed
Start Your Mortgage Application!
5. Debt Consolidation
Feeling overwhelmed by multiple loan payments? Our debt consolidation plan helps you combine various debts into a single, manageable monthly installment—potentially at a lower interest rate.
- ✅ Merge credit card, mobile loans, and bank loans
- ✅ Improve your credit profile over time
- ✅ Reduced stress and simplified budgeting
Eligibility:
- Minimum of two active loans
- Stable monthly income
- Positive repayment history (CRB)
Consolidate Your Loans Today!
6. Property Financing
Whether you're buying land, building a home, or developing rental units, our property financing options provide the capital and guidance needed to succeed in real estate.
- ✅ Covers land purchase, construction, and renovations
- ✅ Both urban and peri-urban properties supported
- ✅ Support for developers and individuals alike
Eligibility:
- Valid proof of income or business ownership
- Property documents (title deed, sale agreement)
- Good repayment track record or guarantor
Explore Property Financing Options!
7. Insurance Premium Financing
Don’t let upfront costs delay your protection. At Pearl Financial Solutions, we connect you with trusted financiers so you can get insured immediately — whether it’s for your vehicle, business, or life cover.
- ✅ Perfect for individuals or businesses managing multiple insurance policies
- ✅ Spread your payments into manageable installment
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Eligibility:
- Valid quote or existing policy
- Proof of consistent income
Apply for Insurance Premium Financing!
8. Vehicle Importation Services
Want to import a car from Japan or the UK? We handle everything—from sourcing and inspections to shipping and customs. Pay only 26% upfront.
- ✅ Full handling: sourcing, shipping, clearing, registration
- ✅ Cars inspected by JEVIC/NTSA-approved bodies
- ✅ Delivery in 28–60 days
Eligibility:
- National ID or passport
- 25% deposit of total car value
Get Started on Your Vehicle Import!
9. Import Duty Financing
Stuck at the port? Let us cover your import duty costs so you can release your goods and avoid extra demurrage fees. Short-term loan with fast turnaround.
- ✅ 100% duty and clearing fees covered
- ✅ Fast processing (as little as 12 hours)
- ✅ No missed sales due to shipment delays
Eligibility:
- Bill of lading or invoice
- Proof of business or regular trade
Secure Import Duty Financing Now!
10. Shariah-Compliant Financing
Finance your personal or business needs with interest-free solutions that align with Islamic banking principles. Ethical, transparent, and inclusive.
- ✅ Murabaha (cost-plus-profit) structures
- ✅ Up to 24-month repayment plans
- ✅ No riba, no penalties
Eligibility:
- Income or business documents
- Agreement to abide by Shariah principles
Learn More About Shariah Financing!
11. Invoice Discounting
Improve your cash flow by turning unpaid invoices into working capital. Access up to 85% of invoice value without waiting for client payments.
- ✅ Perfect for SMEs and contractors with long payment cycles
- ✅ Funds available in 24 hours
- ✅ No need for collateral
Eligibility:
- Valid invoice(s) issued to creditworthy clients
- Business registration and tax compliance
Access Invoice Discounting Today!
12. Civil Servant Loans
Exclusive loan packages for government employees with salary-checkoff agreements. Enjoy easy access, low interest, and flexible repayment.
- ✅ Salary deduction via check-off
- ✅ No collateral required
- ✅ Loan top-ups available
- ✅ Loan Tenor goes upto 10 years
Eligibility:
- Employment confirmation letter
- Recent payslips (3 months)
- Copy of ID and KRA PIN
Apply for Civil Servant Loans Now!
13. Car Maintenance Financing
Keep your vehicle in top shape with financing for repairs, servicing, and upgrades. Access funds instantly and service at approved garages.
- ✅ Fast access
- ✅ Available at partner garages
- ✅ Flexible repayment of up to 12 months
Eligibility:
- Vehicle logbook or registration
- Income documentation (salary or business)
Finance Your Car Maintenance Today!
14. Trade-In Services
Upgrade your ride with our trade-in program. Get instant vehicle valuation, financing for the balance, and drive away with a newer model hassle-free.
- ✅ Same-day car valuation
- ✅ Financing top-up available
- ✅ Wide network of vehicles to choose from
Eligibility:
- Proof of ownership (logbook)
- Vehicle inspection report
Get Your Trade-In Valuation!
15. Logbook Financing
Need quick cash but don’t want to sell your car? Use your logbook to secure a loan of up to 80% of the vehicle's value while continuing to use the car.
- ✅ Loans from KES 50,000 to 2,000,000+
- ✅ Same-day disbursement available
- ✅ Continue driving your vehicle
Eligibility:
- Car registered in your name
- Recent valuation & inspection
- Valid logbook and ID
Apply for Logbook Financing Now!