What are the requirements for Guava Capital Business Loan?

To qualify for Guava Capital Business Loan from Guava Capital, you typically need: National ID, Smartphone with internet, M-Pesa account. Age requirement: 18-65 years.

How long does Guava Capital Business Loan approval take?

Guava Capital Business Loan from Guava Capital typically takes Instant for repeat borrowers, minutes for new ones for approval. Digital applications may be processed faster than in-branch applications.

What is the interest rate for Guava Capital Business Loan?

Guava Capital Business Loan offers Varies. Actual rates may vary based on your credit profile, income, and relationship with Guava Capital.

Is Guava Capital Business Loan available in my area?

Guava Capital Business Loan is available in select locations. You can apply online or visit any Guava Capital branch.

What are the fees for Guava Capital Business Loan?

Guava Capital Business Loan charges Varies by loan size and tier processing fee. Always confirm current fees with Guava Capital before applying.

Cash Loan

Guava Capital Business Loan

Guava Capital

Last updated: April 16, 2026

Reviewed byPesaMarket Research Team

|Last verified: Apr 16, 2026

★★★★★

0/5

Based on 0 Reviews

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Interest Rate

Varies

Loan Amount

Ksh 3,000 - Ksh 30,000

Approval Time

Instant for repeat borrowers, minutes for new ones

Processing Fee

KshNaN

Rating Breakdown

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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

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.