CAPITAL SOLUTION LIMITEDEmpowering Dreams. Building Futures.01 / Personal
Personal loans
Financing for eligible personal financial needs and expenses, with terms explained clearly before you decide.
Explore personal financing ↗Financing that moves with you
Financing solutions that help you move forward.
Personal and business financing solutions designed around your financial needs.
Empowering Dreams. Building Futures.
For eligible customers across Kenya • From KSh 5,000
Niaimara at a glanceNCS
Clear terms.
Practical support.
KSh 5,000Starting loan range
Daily / Weekly / MonthlyRepayment frequency
✓ Responsible financing for legitimate needs
Transparent termsClear information before you commit
Flexible repaymentDaily, weekly or monthly options
Customer-centredProfessional support when you need it
Who we are
A trusted partner for your next step.
Niaimara Capital Solution Limited is a Kenyan financial services company providing accessible, convenient and flexible financing solutions to individuals, entrepreneurs and businesses across Kenya.
We understand that financial needs can arise unexpectedly—from emergencies and personal expenses to business opportunities, stock requirements and short-term cash-flow needs.
Speak with Niaimara ↗01
Our mission
To provide accessible and responsible financing solutions that help our customers manage financial needs, pursue opportunities and achieve sustainable growth.
02
Our vision
To become a trusted and accessible financial partner for individuals and businesses across Kenya.
NCS
Kenya focused
Kenya focused
Our financing solutions
Support for the moments
that matter.
Financing solutions for a range of legitimate personal and business-related financial needs.
02 / Urgent needs
Emergency loans
Financing for urgent and unexpected financial needs when a timely, responsible option matters.
Discuss your needs ↗03 / Business
Biashara loans
Financing for eligible entrepreneurs and businesses, including working capital, stock and business needs.
Grow your business ↗Who we serve
Financing for real financial needs.
Niaimara serves eligible customers across Kenya who need practical financing for legitimate personal or business-related needs.
01Individuals
Seeking financing for legitimate personal needs.
02Entrepreneurs
Small-business owners seeking additional capital.
03Salaried customers
Eligible customers with regular income.
04Self-employed customers
Eligible customers managing their own work or business.
05Traders and business owners
Requiring working capital, stock or business support.
Our core values
TrustIntegrityCustomer FocusTransparencyAccessibilityResponsibilityGrowth
At a glance
Simple information.
Responsible decisions.
Before accepting financing, review the applicable offer and understand the full cost and repayment obligation.
Loan rangeFrom KSh 5,000
Interest rateCommunicated with the approved offer
Repayment frequencyDaily / Weekly / Monthly
EligibilityGood credit score and active financial transactions
How it works
A clear path from application
to repayment.
Our application process is designed to be straightforward. Actual approval and terms depend on the applicable lending criteria.
01
Apply
Submit a loan application through the available application channel.
02
Verification
We review and verify the information provided.
03
Assessment
Your application is assessed against applicable criteria.
04
Approval
Eligible applicants receive the applicable offer and terms.
05
Agreement
Review and accept the applicable agreement.
06
Disbursement
Approved funds are disbursed after conditions are satisfied.
07
Repayment
Repay according to the agreed schedule.
Why choose Niaimara
Built around clarity, not pressure.
We want customers to have the information they need to make responsible borrowing decisions.
01
Convenient financing
A straightforward application and borrowing experience.
02
Flexible repayment
Daily, weekly or monthly arrangements according to the applicable product and approved terms.
03
Transparent terms
Clear information about interest, fees and repayment obligations.
04
Responsible lending
Applications are assessed according to applicable lending criteria.
05
Customer-centred service
Professional support from a team focused on customer needs.
06
Data protection
Responsible handling and protection of customer information.
Loan planning
Start with a number
that feels right.
Use this simple planner to think through the amount you may need. Your approved amount, interest, fees and total repayment will be communicated in the applicable offer.
Continue to apply ↗KSh↕
KSh 5,000KSh 100,000+
Request amountKSh 15,000Final terms depend on assessment and the approved offer.
Apply online
Take the first step with confidence.
Share a few details and our team can guide you to the appropriate application channel. Please do not include passwords, PINs or sensitive identity documents in this form.
✓
Responsible borrowing matters.
Understand the amount borrowed, applicable interest, fees, total amount payable and repayment schedule before accepting financing.
FAQs
Questions, answered plainly.
If you need information that is not listed here, contact our team before applying.
What loans do you offer?+
We provide financing solutions including personal, emergency and biashara/business financing for eligible customers.
Who can apply?+
Eligible individuals and businesses in Kenya may apply, subject to the requirements of the applicable loan product.
How much can I borrow?+
Our financing starts from KSh 5,000. The applicable maximum and approved amount depend on the product and your eligibility and assessment.
What are the repayment options?+
Repayment may be arranged on a daily, weekly or monthly basis depending on the applicable loan product and approved terms.
What is the interest rate?+
The applicable interest rate will be communicated according to the relevant loan product and approved terms.
What are the eligibility requirements?+
Applicants should meet the applicable requirements, including a good credit score and active financial transactions.
How do I apply?+
Start with the enquiry form on this page or use the designated application channels shared by our team.
Customer support
Let’s make the next step clear.
Our team is here to help you understand the available financing options and applicable terms.
Telephone+254 181 388 965Emailinfo@niaimaracapital.com
Visit usRonald Ngala Street, Nairobi
Nimmi House, 2nd FloorP.O. Box 32-00204, Athi River
Nimmi House, 2nd FloorP.O. Box 32-00204, Athi River
Business hoursTo be confirmedOfficial operating hours will be published once verified.
Additional channelsPhone and email supportWhatsApp, social channels and other official channels will be added once confirmed.