Who we are
Granary Capital Limited (GCL) is a licensed and regulated financial services provider committed to delivering fast, affordable, and flexible lending solutions to individuals and small businesses across Kenya. We understand the financial challenges faced by salaried employees, entrepreneurs, and traders, and we exist to bridge the gap by providing timely access to credit when it is needed most.
Our services include Salary Advances, Biashara Loans, Emergency Loans, Asset Financing, Logbook Loans, LPO Financing, and Jaza Stock Loans. Each product is carefully designed to meet specific needs, whether it is emergency cash, working capital, or growth financing.
Why Choose Us
At Granary Capital Limited, we go beyond providing loans — we provide financial solutions you can trust. Here’s why clients choose us:
Fast Processing
Loan approvals are completed within 24 hours of compliance, ensuring you get funds when you need them most.
Affordable Rates
We offer competitive interest rates with no hidden charges, making repayment manageable.
Flexible Repayments
Tailored repayment plans designed to suit your income or business cash flow.
Licensed & Regulated
Fully licensed and regulated by the Central Bank of Kenya, giving you confidence and security.
Wide Range of Products
From salary advances and emergency loans to logbook and LPO financing, we cater to both individuals and businesses
Customer-Centered Service
Our dedicated teams across multiple branches provide professional, caring, and personalized support.
Our Products
Salary Advance
Quick cash solutions for salaried employees to cover urgent needs like school fees, medical bills, or emergencies.
Biashara Loans
Working capital support for small and medium-sized businesses to help with operations, stock purchases, and business expansion.
Emergency Loans
Fast access to funds during unexpected situations, providing financial relief when you need it most.
Asset Financing
Affordable financing options for equipment, machinery, and assets to grow your business without draining your capital.
Logbook Loans
Instant loans secured against your vehicle logbook, allowing you to access funds while continuing to use your car.
LPO Financing
Bridge financing for suppliers with confirmed Local Purchase Orders, enabling smooth delivery without cash-flow strain.