Granary Capital

Compare all 2 products from Granary Capital in Kenya. Borrow up to Ksh 100,000.

Ksh 100,000

Max Amount

Same day for most applications

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Granary Capital Quick Loan	N/A	Ksh 1,000 - Ksh 100,000	Same day for most applications	Apply
Granary Capital Quick Loan	N/A	Ksh 1,000 - Ksh 100,000	Same day for most applications	Apply

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Granary Capital Pros & Cons

+Pros

✓Transparent fee disclosure before loan acceptance
✓Offers financial literacy resources for first-time borrowers
✓Supports partial repayments when cash flow is tight
✓Well-designed mobile app experience

-Cons

✗Initial KYC process takes longer than app-only rivals
✗Mobile-first service assumes smartphone access

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

Any

Required Documents (across all products)

●National ID
●Smartphone with internet
●M-Pesa account

Expert Analysis

Granary Capital is a CBK-licensed Digital Credit Provider, licensed in 2025. It targets the digital-credit borrower segment and sits under the 2022 DCP framework. Granary Capital leans into small-business and working-capital lending, targeting traders and SMEs rather than salaried employees.

Frequently Asked Questions

What loan amounts are available from Granary Capital?

Granary Capital offers loan amounts from Ksh 1,000 up to Ksh 100,000 depending on the product and your eligibility.

How fast does Granary Capital disburse loans?

The fastest disbursement time from Granary Capital is Same day for most applications. Actual processing time varies by product type and application completeness.

Does Granary Capital require CRB clearance?

Granary Capital does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.