JAZA CAPITAL · Enterprise finance + JIFIBuilt from the market outward · Nairobi, Kenya
For enterprises already trading

Working capital grounded in the business you actually run.

Jaza Capital provides short-term working capital to micro and small enterprises. We assess the business in person and size finance to what the observed cash flow can responsibly support.

Talk to a branchExisting customer self-service
Who we usually finance

A real business. A visible cash cycle. A sensible use for capital.

The smallest enterprises often need a lender to understand the business before understanding the paperwork. That is where our field process starts.

Business status
An existing enterprise with observable daily or near-daily trading activity.
Typical use
Stock replenishment, business inputs, small productive equipment or a short supply-cycle gap.
Assessment
Observed trading cash flow, current debt, purpose, owner involvement, character and market conditions—verified at the premises.
Decision
Finance only where the business can carry the instalment with room left for normal operations and household needs.
When we say no
Where affordability is weak, debt is already too high, the stated purpose does not match the assessment or the problem needs capability support rather than more credit.
How it works

Four steps from interest to a responsible decision.

01

Connect

Speak to a Jaza branch team in a market we serve and explain the working-capital need.

02

Field assessment

An officer visits the business to understand trading activity, use of funds, cash flow and existing obligations.

03

Verification & approval

Origination, verification and approval are separated so no one person controls the entire credit decision.

04

Disburse & follow

Digital settlement and ongoing branch follow-up keep the customer and portfolio visible through the facility cycle.

Existing customers
*483*5292#

Use Jaza Capital’s USSD self-service channel for supported loan services without waiting for customer support.

Availability and functions may depend on your registered mobile number and current Jaza services.

Finance should fit the business.

Talk to a branch team about your enterprise and working-capital need. If debt is not the right answer, we would rather say so than force the fit.

Contact Jaza Capital