Guava Capital

Compare all 2 products from Guava Capital in Kenya. Borrow up to Ksh 30,000.

Ksh 30,000

Max Amount

Instant for repeat borrowers, minutes for new ones

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Guava Capital Business Loan	N/A	Ksh 3,000 - Ksh 30,000	Instant for repeat borrowers, minutes for new ones	Apply
Guava Capital Business Loan	N/A	Ksh 3,000 - Ksh 30,000	Instant for repeat borrowers, minutes for new ones	Apply

View all Fast Loans→

Guava Capital Pros & Cons

+Pros

✓Physical office available for walk-in support (Rift Valley presence)
✓No hidden charges beyond the advertised rate
✓Customer WhatsApp channel for quick escalations
✓Fast in-app support via live chat
✓Quick turnaround — funds on M-Pesa within minutes

-Cons

✗Mainly Nairobi-focused; limited regional reach
✗No grace period before the late-fee clock starts
✗Small operations team may mean slower response to escalations

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

Guava Capital is a CBK-licensed Digital Credit Provider, headquartered in the Rift Valley via towns like Nakuru and Nanyuki, licensed in 2025. The lender serves Kenya's digital-credit market under the 2022 CBK DCP regime. Guava Capital leans into small-business and working-capital lending, targeting traders and SMEs rather than salaried employees. With operations in the Rift Valley via towns like Nakuru and Nanyuki, this provider is a rare example of a CBK-licensed lender with genuine regional presence outside Nairobi.

Frequently Asked Questions

What loan amounts are available from Guava Capital?

Guava Capital offers loan amounts from Ksh 3,000 up to Ksh 30,000 depending on the product and your eligibility.

How fast does Guava Capital disburse loans?

The fastest disbursement time from Guava Capital is Instant for repeat borrowers, minutes for new ones. Actual processing time varies by product type and application completeness.

Does Guava Capital require CRB clearance?

Guava 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.