🏢 Company Overview

Phoenix Capital Ltd is a Kenya-based, non-deposit-taking microfinance institution established in 2012, with headquarters in Nairobi and branch presence in key areas including CBD, Kilimani, Buru Buru, and Utawala (kenyantimes.co.ke). It specializes in offering ethical and innovative financial services to formally employed individuals, middle-income earners, and business owners (businesslist.co.ke).

🎯 Mission & Core Values

• Personalized Service: Deliver client-centric financial solutions tailored to meet individual cash flow needs and business cycles .
• Ethical Lending: Uphold principles of transparency and fairness in all transactions .
• Innovation-Driven: Continuously introduce new products that cater to evolving market demands (co.ke).

📦 Product Portfolio

Phoenix Capital offers a robust suite of loan and financial products, including (phoenixcapitalkenya.co.ke):

• Logbook Loans – Use vehicle logbooks as collateral; funds disbursed within ~2 hours (co.ke).
• Zidisha Business Loans – Designed for SMEs, ranging from KES 5,000 to 100,000 (co.ke).
• Salary Advance – Short-term credit for employees whose employers are partnered with Phoenix (co.ke).
• Insurance Premium Financing (IPF) – Enables clients to pay premiums over time without immediate lump-sum payment (co.ke).
• Motii-Fix – Funding for vehicle repairs through accredited garages (co.ke).
• Asset Financing – Supports acquisition of vehicles (subject to age/mechanical conditions) .
• LPO Financing – Financing to fulfill large purchase orders and advance business growth (co.ke).
• Insurance – Helps mitigate financial risks by offering protection against various exposures (com).

🛠 Operational Highlights

• Swift Processing: Loans processed within approximately 2 hours, enabling quick access to funds (co.ke).
• Flexible Repayment Plans: Terms tailored to suit client financial cycles; early repayment incurs no penalties (co.ke).
• CRB-Friendly: CRB listings do not automatically disqualify clients from getting credit (co.ke).
• No Deposit Required: Loans are granted based on financial statements; there is no savings requirement (co.ke).

📌 Requirements & Eligibility

• Standard documentation includes: original vehicle logbook (for logbook loans), ID, KRA PIN, and 6 months of bank or M-Pesa statements (co.ke).
• Salary advances require the client’s employer to sign a Memorandum of Understanding with Phoenix Capital (co.ke).
• No guarantors are needed, but referees may be requested for KYC compliance (co.ke).

🤝 Sales & Distribution Network

• Independent Sales Agents: Phoenix Capital leverages a network of agents who market and refer customers. Agents earn 3% commission per disbursed loan and can earn bonuses for high volumes (co.ke).
• They provide marketing materials (business cards, t‑shirts, leaflets) and training at no cost (co.ke).
• Agents operate independently—no set hours or startup capital required (co.ke).

🎓 Community & Digital Engagement

• Through its blog, Phoenix Capital shares insights on loan options, business guidance, and community impact (e.g., Autism Family Fun Day event in April 2025) (co.ke).
• Collaborated with a digital agency to boost web traffic and generate ~200 leads/month through content marketing (co.ke).

🌍 Locations & Contact

• Head Office: 8th Floor, The Arch Place, Kilimani, Nairobi, Kenya (co.ke).
• Branches: Nairobi CBD, Kilimani, Buru Buru, and Utawala (co.ke).
• Working Hours: Mon–Fri 08:00–17:00; Sat–closed; Sunday–closed (co.ke).
• Contact: Phone/WhatsApp: 0705 408967 or 0747 100100; USSD: *568#; Email: info@phoenixcapitalkenya.co.ke (co.ke).

🧩 Summary

Phoenix Capital Ltd stands out as a nimble, client-focused microfinance provider, offering swift loan solutions to Kenya’s middle-income and formally employed demographics. With a diverse product range, flexible repayment terms, no-savings-needed policy, and a performance-driven agent network, it positions itself as an ethical, innovative player in Kenya’s financial inclusion landscape.