Asset Financing · Equipment

Equip Your Business,
Grow Your Income.

Finance fridges, cookers, salon equipment, and productive assets. Pay gradually while the asset works for you from day one.

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FinancingUp to 75% of asset cost

CollateralThe Asset Purchased

Business AgeMin 6 months

OwnershipKray until full repayment

Who is this for?

Small business owners who want to acquire essential equipment that enhances their income-generating capacity without large upfront costs.

Retail Shops Salons & Barbershops Restaurants Food Businesses Small Enterprises

Eligibility Criteria

Operating business for at least 6 months

Business demonstrates consistent revenue

Active Kray account

What you get

What you will need

How to get it

National ID

Guarantors

Active Kray Account

Proof of 6+ months business operation

Asset Quote or Invoice

Visit any Kray branch or apply via the Kray mobile app or USSD *217#.
Carry your National ID and all required documents listed above.
A Kray loan officer will assess your application and guide you through the process.
Once approved, funds are disbursed directly to your Kray account — sometimes same day.