Kenya Credit where you really need it
contact@shingapi.com +254 700 000 000
Shingapi Credit

How much money?

Credit that moves your business forward.

Get flexible credit for stock, operations, and growth — with clear terms, fast decisions, and support built for Kenyan SMEs.

Get started See how it works
Fast
Decisions
Low
Interest
Clear
Terms

Quick estimate

See an example repayment plan.

Est. monthly KES 0
Est. total KES 0

*This is an illustration only. Final terms depend on eligibility checks.

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Built for small businesses: bars & restuarants, mini-marts, liqour shops, pharmacies, cafes, hardware shops & more.

Credit products

Choose what fits your needs — stock, growth, or flexible support.

JazaStock Credit

Buy inventory and restock quickly to keep sales moving.

  • Fast approval
  • Flexible repayment
  • Suitable for retail

GengaBiz Credit

Support building, expansion, equipment, and operations with clear terms.

  • Transparent pricing
  • Business-friendly tenors
  • Support & guidance

OkoleaRent Credit

Offer credit to customers through partnerships and embedded finance.

  • Bulk limits
  • Easy onboarding
  • Shared success

How it works

Simple steps. Clear communication. Responsible lending.

1

Apply

Share your details and what you need the credit for.

2

Assessment

We review your information and confirm eligibility.

3

Offer

Receive clear terms: limit, tenor, and repayment schedule.

4

Payment

We make the payment and you repay on time to grow your limit.

Rates & transparency

Clear pricing with no surprises.

What you can expect

Your rate depends on product type, credit history, and repayment performance. We’ll always show your total cost before you accept an offer.

No hidden fees* Clear schedules Support available

*Subject to terms & eligibility checks.

Boost your limit

Repay on time to unlock higher limits and better terms.

  • On-time repayment
  • Consistent transactions
  • Verified business details
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What clients say

Real businesses, real impact.

“Stock credit helped me restock fast — I didn’t miss sales during peak days.”
— Restaturant owner, Nanyuki
“Clear terms and quick feedback. I knew exactly what I was paying.”
— liqour store owner, Nairobi
“After a few repayments, my limit improved. That growth was a big win.”
— Mini-mart owner, Thika

Frequently asked questions

Quick answers before you apply.

Do you give cash?
We focus on credit solutions — “No Cash, Just Credit”. In some cases, we partner with suppliers to support stock or business needs.
How fast is approval?
Many applications are reviewed quickly once details are complete. Timelines can vary depending on verification needs.
What do you need to apply?
Basic identity details, business info (if applicable), and a short description of the purpose. We may request supporting documents for verification.
How do I increase my limit?
Repay on time, keep your information up-to-date, and maintain consistent activity. Good repayment behavior can unlock better terms.

Apply / Contact

Leave your details and we’ll reach out.

Direct contact

Prefer to talk now? Use the contacts below.