01
Salary advance
Designed around short-term needs for eligible salaried applicants with verifiable income and the supporting documentation required under the approved credit process.
Finance · Loans
Finance that starts with the purpose.
Royalty Finvora’s lending focus includes salary, business and secured-finance pathways. The information below explains the intended product categories; it is not an automatic offer of credit or a public loan application.
Make a finance enquiryLoan pathways
Understand the pathway before the application.
Product availability, eligibility, pricing, limits, tenure, security and required documentation are confirmed only through an approved process and remain subject to Royalty Finvora’s applicable Kenyan regulatory position.
02
Business finance
For eligible entrepreneurs and businesses seeking working capital or finance for a defined business need, subject to business evidence, affordability and credit assessment.
03
Logbook finance
A secured-finance pathway considered against an eligible motor vehicle and verified logbook documentation, subject to valuation, ownership checks and approval.
04
Title deed finance
A secured-finance pathway considered against eligible property documentation, subject to ownership verification, valuation, legal checks and approval.
These pages are informational. No instant approval, automated disbursement or public digital loan application is active here. Specific products should only be presented as available where the applicable licence, approval or other lawful basis has been confirmed.
Typical supporting evidence
Good assessment starts with complete information.
The exact documents depend on the finance pathway and the individual application. Common evidence may include the items below; additional information may be requested during an approved assessment.
Identity & tax
National ID or passport and KRA PIN details.
Income evidence
Payslips, payroll or employer verification for salaried applicants where applicable.
Cash-flow evidence
M-PESA and/or bank statements, plus business sales or cash-flow evidence where relevant.
Security & support
Guarantor/referee information and verified logbook, title-deed or other security evidence where applicable.
Finance FAQs
Useful answers before you enquire.
What is logbook or title-deed finance?
It is a secured-finance pathway in which eligible vehicle or property documentation forms part of the credit assessment. Ownership, valuation, legal checks, affordability and approval still apply.
What supports a salary-advance enquiry?
A stable, verifiable income profile is central. Supporting evidence can include payslips, payroll or employer verification, bank/M-PESA statements and current debt commitments.
What do you consider for business finance?
The assessment can consider the purpose of finance, time in business, revenue or cash flow, expenses, existing obligations, supporting records and the proposed repayment source.
How long does approval take?
Timing depends on the pathway, completeness of evidence, verification, valuation or legal checks where applicable, and the authorised credit decision. The website does not promise an automatic or fixed approval time.
Responsible assessment
The controls stay with the product.
A useful lending experience should make the decision process clearer without removing assessment, documentation or accountability.
Understand the need
Purpose, amount, timing and the proposed repayment source are established before assessment.
Verify the evidence
Income or business evidence, identity, affordability and applicable security documents are reviewed.
Assess responsibly
Eligibility, risk, affordability and the proposed structure are considered before an authorised decision.
Explain the terms
If a facility is lawfully available and approved, pricing, fees, tenure, security and repayment obligations are explained before commitment.
Future online applications will use a separate authenticated service boundary. Customer documents, account data and RFOS records will not be exposed through the public website.