How it works Loans Agents Help Log in
Licensed by CBK · KES 2B+ disbursed

Turn your asset into
working capital

Fast, transparent loans secured against what you already own.
From application to M-Pesa in 24 hours.

From 2.5%/month
3% processing fee
Cash in 24 hours
Trader tending a roadside market stall in Kenya
ASSETBoda-boda
LOAN AMOUNTKES 180,000
TENOR9 months
MONTHLY INSTALMENTKES 24,500
TOTAL COST OF CREDITKES 220,500
Approved
ASSETVehicle Logbook
LOAN AMOUNTKES 500,000
TENOR12 months
MONTHLY INSTALMENTKES 54,167
TOTAL COST OF CREDITKES 650,000
Approved
ASSETMatatu (14-seat)
LOAN AMOUNTKES 1,200,000
TENOR24 months
MONTHLY INSTALMENTKES 80,000
TOTAL COST OF CREDITKES 1,920,000
Approved

Partners you know and trust

Why thousands of Kenyans
trust Baron Capital

KES 0B+

Disbursed to Kenyan borrowers

0+

Clients served across the country

0%

Of applications approved

OUR LOANS

Four ways to raise capital
against what you own

ESTIMATE

What it would cost

Set an amount and a repayment period to see an indicative schedule. Final terms depend on valuation and credit assessment.

KES 500,000
KES 50,000KES 5,000,000
12 months
3 months36 months
Monthly instalment KES 54,167
Amount advancedKES 500,000
Interest at 2.5% per monthKES 150,000
Processing fee (3%, deducted upfront)KES 15,000
Total repayableKES 650,000

Indicative only. Interest is shown flat on the original amount and does not constitute an offer of credit.

"Two lenders wanted a payslip I don't have. Baron valued the lorry instead, and the money was in my account the next morning."

Peter Kariuki, transporter, Nakuru

A better way to borrow.
Built for how you actually work.

Baron Capital uses the value already sitting in your asset to get you funded fast, with pricing you can understand before you sign.

Apply from your phone

Photograph the asset, upload your ID, and you're done.

No payslip required

We assess the asset, not your employment history.

Same-day approval

Most applications are reviewed within four hours.

Cash via M-Pesa

Funds reach your M-Pesa or bank account within 24 hours.

Keep using your asset

We hold the logbook, not the vehicle. Keep earning with it.

Clear, honest pricing

Full repayment schedule and total cost, before you sign.

How it works

Snap, upload, done

Open the Baron Capital app, photograph your asset from four angles, upload your ID and logbook. Our system generates a preliminary offer in under ten minutes -- no branch visit, no queue, no stack of photocopies.

Boda-boda rider on an open road
"I sent four photos of the bike from the stage and had an offer back before my shift ended."
James Otieno, boda-boda rider, Kisumu

We come to you

Our field valuer visits your asset wherever it is -- your yard, your stage, your workshop. They confirm the condition, take photos, and finalise your loan amount on the spot. Most borrowers are approved the same day.

Two mechanics inspecting an engine with hand tools
"The valuer came to my stage in Eastleigh. No towing, no garage fees. He was done in twenty minutes."
Amina Hassan, matatu operator, Nairobi

Cash where you need it

Once approved, your loan lands in your M-Pesa or bank account within 24 hours. Repay monthly via M-Pesa, bank transfer or at any of our agent locations. Your logbook is returned the day you clear.

Passenger boarding a decorated matatu
"I got the money on my M-Pesa before sunset. Used it to restock my shop the next morning."
Grace Wanjiku, trader, Nakuru

Guides that help you
borrow better

View all guides
Boda-boda riders on a Nairobi highway beneath the city skyline
Logbook Loans

Logbook Loans Explained

Nairobi city towers on a bright afternoon
Title Deed Loans

5 Things to Check Before Taking a Title Deed Loan

Shopkeeper seated among produce at a roadside stall
Trade Finance

How Trade Finance Can Unlock Your Next Big Contract

Trader surrounded by metal cookware in a hardware market
Asset Finance

What Asset Finance Covers, and What It Doesn't

Busy Nairobi street market beneath red umbrellas
Valuation

How Baron Values Your Asset

Licensed and regulated

Baron Capital Limited is licensed by the Central Bank of Kenya as a non-deposit-taking microfinance institution. We operate under strict regulatory oversight to protect borrowers.

Licence number: MFI/2024/001
Complaints: complaints@baroncapital.co.ke
CBK hotline: +254 20 286 1000

Your data is protected

We comply fully with the Kenya Data Protection Act, 2019. Your personal and financial information is encrypted, stored securely, and never shared without your explicit consent.

256-bit encryption
Data retained max 7 years
Delete request: privacy@baroncapital.co.ke
READY?

Your asset is worth more
than you think

Check your loan limit in two minutes. No commitment, no fees.

Nairobi city skyline at dusk

FAQs

A valid national ID or passport, your asset's logbook or registration document, and a recent passport-sized photo. If you're employed, a recent payslip helps but isn't required.
Most applications are reviewed within 4 hours. Once our valuer confirms your asset, approval is typically same-day.
Motorcycles, cars, trucks, matatus, tractors, and commercial vehicles. The vehicle must be in your name and have a clear logbook.
Yes. We hold the logbook, not the asset. You continue using your vehicle or equipment as normal.
We'll reach out to discuss options. We offer a 7-day grace period and can restructure payments if you're going through a tough time. Recovery is a last resort.
Up to 60% of your asset's current market value. Loan amounts range from KES 50,000 to KES 5,000,000.
From 2.5% per month on a reducing balance. Your exact rate depends on the asset type, loan amount, and tenor.
Yes, with no early repayment penalty. You only pay interest for the period you've held the loan.
We use 256-bit encryption and comply with the Kenya Data Protection Act, 2019. We never share your data with third parties without your consent.
Our head office is in Westlands, Nairobi. We also have agents in Mombasa, Kisumu, Nakuru, Eldoret, and Thika. Visit baroncapital.co.ke/locations for details.