Business Loans · Daily Capital

Borrow in the Morning,
Repay by Evening.

Short-term daily capital for traders who open every morning and close every night. Capital at start of business, repaid at end of day.

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DisbursementMorning

RepaymentSame Day (EOD)

Account AgeMin 1 month

Business AgeMin 3 months

Who is this for?

Businesses that run on daily cash cycles — you need capital in the morning to trade and you'll have it repaid by close of business.

Bale Dealers Food Stalls Roadside Restaurants Daily Market Traders Vegetable Vendors

Eligibility Criteria

Business must exhibit consistent daily cash turnover

Active business for at least 3 months

Active Kray account for at least 1 month

What you get

What you will need

How to get it

National ID

Active Kray Account (1+ month)

Proof of 3+ months business operation

Demonstrated daily cash turnover

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.