What we offer
Practical financial solutions for every stage of your journey.
Loan products
Compare the key features below, then speak with our team for eligibility and application guidance.
Designed to fuel the growth of Micro, Small, and Medium Enterprises (MSMEs). Unlock fast, automated working capital to restock inventory, expand your premises, or manage daily operations without the friction of branch visits.
Quick, unsecured personal credit lines designed to help you meet your everyday financial goals. Backed by payslips and verifiable income, these loans are processed programmatically and disbursed instantly to your digital wallet or bank account.
Tailored financial bridging for modern farmers and agricultural entrepreneurs. Boost your productivity by easily accessing digital capital for inputs, equipment, and labor, structured to align perfectly with your agribusiness cash flow cycle.
Exclusive, low-friction credit facilities designed for salaried employees. Enjoy highly competitive rates and flexible repayment terms seamlessly managed through automated payroll check-off systems, ensuring financial peace of mind.
Unlock the equity in your motor vehicle without giving up the keys. Enjoy high-value, asset-backed digital funding processed swiftly with automated e-valuation and instant BRS registry integration.
An innovative, cross-border financing facility explicitly designed for Kenyan professionals securing international employment. We fully fund upfront travel, visa, and logistics costs, securely integrated with structured overseas salary deductions.
Secure comprehensive insurance coverage for your business or motor vehicle without the burden of upfront lump-sum payments. We instantly disburse your premium directly to the underwriter while you repay us in manageable digital installments.
A progressive developmental loan aimed at empowering individuals to build personal wealth. Whether you are acquiring small assets, starting a side project, or upgrading your living standards, the Jijenge loan offers flexible, digitally tracked repayment structures.
Institutional-grade credit facilities for established companies. We offer structured, high-limit financing to power large-scale expansions, operational acquisitions, and supply chain liquidity, all routed through our seamless, BaaS-integrated clearing channels.
Become a Private Commercial Lender to Geoland Credit Limited
At Geoland Credit Limited (GCL), we are aggressively
scaling our digital credit operations across Kenya. To fuel our specialized
lending pipelines—such as Asset-Backed Financing and Majuu Transit Loans—we
allow private individuals and corporate entities to lend commercial capital
directly to GCL through our Private Debt Instrument (PDI) Platform.
When you utilize the PDI Portal, you are entering into a
direct, private commercial lending agreement with GCL. You act strictly as the
Creditor (Lender), and GCL acts as the Borrower. In exchange for your loan, GCL
issues a legally binding Electronic Corporate Promissory Note,
guaranteeing you fixed, predictable interest payments over an agreed-upon
duration (tenor).
Regulatory Notice: The
PDI facility is strictly a private commercial loan agreement (promissory debt)
between you and GCL. It is not a public savings deposit account, nor is it a
security or investment product regulated by the Capital Markets Authority (CMA).
1. Fixed, Highly Competitive Interest Rates
Unlike variable market instruments, the interest rate on your loan to GCL is
fixed at the time of execution. You know exactly what your returns will be from
day one, legally protected against market volatility for the duration of the
contract.
2. Predictable Monthly Cash Flow Interest on your
advanced principal is accrued daily and disbursed automatically as a gross
monthly payout directly into your GCL Transaction Wallet. You maintain
the freedom to withdraw your earned interest anytime or issue a new micro-loan
to GCL.
3. 100% Digital & Transparent Execution
Manage your commercial lending entirely from your smartphone or computer. Our
interactive portal calculator allows you to simulate loan amounts and tenors,
viewing your exact monthly interest payout schedule and maturity dates before
you commit funds.
4. Institutional-Grade Contractual Security Every loan executed through the portal generates an instant, cryptographically secured Electronic Corporate Promissory Note. As a licensed Digital Credit Provider (DCP), GCL maintains strictly audited balance sheets, ensuring our debt obligations to our private lenders are robustly backed by our performing loan book.
Step 1: Activate Your Account. Register
on the GCL Customer Portal and complete our automated, highly secure e-KYC
verification.
Step 2: Fund Your Transaction Wallet.
Deposit your lending capital seamlessly via our integrated Safaricom M-Pesa or
Choice Bank commercial clearing channels.
Step 3: Execute the Loan (PDI Allocation).
Use the portal to select the principal amount you wish to lend to GCL and your
preferred tenor (e.g., 3, 6, 12, or 24 months). Review the fixed interest terms
and click "I Accept" to digitally sign the promissory agreement.
Step 4: Receive Interest. Watch your digital ledger update as GCL pays your agreed-upon interest directly to your Transaction Wallet every month.
At the end of your agreed loan tenor (maturity date),
GCL gives you complete control over your capital. You can choose to:
i) Full Liquidation: Withdraw your full
principal amount and final interest directly back to your M-Pesa or Bank
account.
ii) Principal Renewal: Extend a new loan to GCL using your initial principal, while withdrawing your accumulated interest as liquid cash.
iii) Full Capital Renewal: Execute a new loan agreement combining your original principal and earned interest to maximize your future fixed returns.
Log In / Register on the GCL Portal at my.geolandcredit.co.ke to view today's commercial borrowing rates and execute your first Promissory Note.
Mobile access
Download our mobile app to keep essential customers services within reach.
