Personal & BusinessEveryday and enterprise finance
5 products
Lending & Credit Products
Financing built around real financial needs
NIH Sender provides a wide range of financing products for individuals, businesses, traders and investors—from school fees and medical needs to machinery, cargo, property-backed finance and international trade.
Loan limits range from KES 5,000 to KES 300 million, depending on the product and customer eligibility.
Entry level
KES 5K
Maximum stated limit
KES 300M
NIH Sender Lending
Product-based limits
Credit Product Centre
Published financing range
KES 5,000 — KES 300,000,000
Subject to product terms and customer eligibility
Assets & InvestmentVehicles, property, machinery and cargo
5 products
Trade & InvoiceCommercial cash-flow support
5 products
Personal • Business • Asset • Trade • Agriculture
KES 5K–300M
Overall stated lending range, depending on product and eligibility.
Asset-backed options
Logbook, title deed, machinery, cargo and import duty financing.
Business growth finance
Business loans, SME finance, startup funding and working capital.
Short-term credit
Fuliza-model overdraft support for short-term emergency funding.
Core Lending Categories
A structured portfolio for people, assets and enterprise
The product catalogue groups NIH Sender lending into personal and business loans, asset finance, trade finance, agricultural finance and short-term credit facilities.
01
Personal & Business Loans
Finance for personal needs and business operations
- Business LoansKES 10K–15M
- Mobile LoansUp to KES 10M
- Civil Servant LoansUp to KES 1M
- Medical LoansUp to KES 5M
- School Fees LoansKES 5K–250K
02
Asset & Investment Financing
Financing for valuable assets and productive investment
- Logbook LoansUp to KES 25M
- Title Deed LoansUp to KES 300M
- Machinery FinancingUp to 100%
- Cargo FinancingUp to 100%
- Import Duty FinancingUp to 100%
03
Trade & Invoice Financing
Cash-flow solutions for contracts, invoices and trade
- LPO FinancingTrade support
- Invoice Financing / DiscountingCash flow
- Cheque DiscountingLiquidity
- Loan Offset ServicesRestructuring
- Working Capital LoansOperations
04
Agricultural & Sector Loans
Targeted finance for production, SMEs and new ventures
- Agriculture LoansUp to KES 15M
- SME FinancingBusiness growth
- Startup FundingNew ventures
- Insurance Premium FinancingPremium support
Credit Facility
01
02
03
Fuliza-model short-term credit
The NIH Sender product catalogue includes an instant overdraft-style credit facility designed for short-term emergency funding.
Instant overdraft credit facility
A short-term credit structure for eligible customers.
Limits up to KES 5,000,000
The published catalogue states credit limits of up to KES 5 million.
Emergency funding support
Designed for short-term financing needs, subject to product terms.
NIH CREDIT
FLEX FACILITY
N
Published maximum
KES 5,000,000
Short-term funding
Eligibility applies
Complete Product Portfolio
All lending products listed across the company documents
A single organised view of the loan products named in the NIH Sender company profile and product catalogue.
Import Duty Financing
Fuliza Credit Facility
Machinery Financing
Business Loans
School Fees Loans
Medical Loans
Logbook Loans
Title Deed Loans
Civil Servant Loans
Cheque Discounting
Loan Offset
Cargo Financing
Insurance Premium Financing
LPO Financing
Invoice Financing
Mobile Loans
Agriculture Loans
SME Financing
Startup Funding
Working Capital Loans
Product fit
Eligibility-based
Limits depend on product and customer qualification.
Important Product Note
Clear limits. Eligibility-based access.
The documents state that loan limits depend on the selected product and customer eligibility. Financing percentages, credit limits, repayment terms, approval and access should therefore be presented as subject to applicable product agreements and assessment.
Published limits describe the maximum or stated range for each product.
Customer eligibility determines the actual facility available.
Applicable product terms and agreements govern access and repayment.