Business professionals shaking hands over coffee, symbolizing partnership

Signature Capital - Premium non-bank financial institution

Empowering your vision with tailored financial solutions—spanning strategic loans, guarantees, leasing, and insurance. We fuel the ambitions driving Kenya forward.

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About us

Welcome to Signature Capital

Signature Capital Ltd is a non-bank financial services company registered in Kenya under the Companies Act, Laws of Kenya.

We specialize in providing a wide range of financial solutions, including loans, guarantees, leasing, and insurance services. At Signature Capital Ltd, we take pride in being a credit-only finance company, dedicated to meeting your financial needs with expertise and reliability.

Our unwavering commitment to excellence and customer-centric values sets us apart. Whether you’re a business seeking growth capital, an individual pursuing personal financial goals, or an entrepreneur with innovative ideas, Signature Capital Ltd is your trusted partner.

Our experienced team of professionals is dedicated to providing tailored financial solutions that align with your unique needs. We are driven by a vision to empower your financial aspirations and ensure your success.

With a strong foundation in Kenya’s financial landscape and a reputation for reliability and integrity, Signature Capital Ltd is here to shape a brighter financial future for you.

Loans

Flexible capital for growth

Loans

Access working capital in 24 hours with flexible terms tailored to your business cycle.

24hr disbursement
Flexible terms
No hidden fees
Dedicated support

Insurance

Protect what matters

Insurance

Comprehensive coverage for your business assets, staff, and operations.

Medical cover
Asset protection
Life insurance
Quick claims

Guarantees

Bid with confidence

Guarantees

Performance bonds, advance payment guarantees, and bid bonds for tenders.

Bid bonds
Performance bonds
Advance payment
Custom limits

Leasing

Preserve cash flow

Leasing

Acquire vehicles, equipment, and assets without upfront capital expenditure.

Asset leasing
Vehicle finance
Equipment funding
Flexible tenure
Signature Capital Statistics Background
0

Clients

0+

Years of Expertise

0

Branch

0

Employees

Strategies

Our strategic framework is built upon four foundational pillars.

People

At the heart of our commitment lies the cultivation and preservation of a top-tier workforce within the industry.

This emphasis on workforce excellence is paramount to us, as it ensures the presence of competence, unwavering dedication, genuine passion, and unwavering integrity in our delivery of solutions to our valued customers.

Advisor reviewing a client portfolio
Signature Capital client consultation

Digitization

We harness innovation and cutting-edge Information Technology to construct resilient systems, enabling us to provide our customers with the utmost security and convenience in the present and for years to come.

  • We utilize digital channels to enhance customer interactions and provide personalized services.
  • Digitization streamlines internal processes, reducing costs and improving overall efficiency.
  • We leverage data analytics to make informed decisions, tailor our services, and stay ahead of market trends.
Lights for digitization
Digitized workspace

Brand

We are committed to strategically investing in the development and consolidation of a strong and highly distinguished brand presence in the financial services industry.

This endeavor is driven by our unwavering dedication to not only meet but exceed the evolving needs and expectations of our valued clientele.

Signature Capital brand presence
Brand strategy session

Risk Management

We consistently utilize intelligent portfolio management tools as a proactive measure to mitigate concentration risk across our funding sources, customer demographics, and product offerings.

This strategic approach enables us to maintain a well-diversified and resilient financial ecosystem.

Portfolio risk analysis
Risk management review

What Our Clients Say

Businesses, civil servants, personal solution clients and investors across Kenya trust Signature Capital to move fast when it matters.

We needed working capital to fulfil a county tender and the timelines were brutal. I was worried because the supplier would not hold the stock for long. Signature Capital had the funds in our account inside 24 hours. That kind of turnaround helped us deliver on time and protect a very important client relationship.

WK

Wanjiru Kamau

Director, Kamau Hardware Supplies, Nairobi

The check-off loan process was refreshingly straightforward. The team explained every step patiently instead of rushing me through paperwork. Deductions come off my payslip automatically, so I never worry about missing a repayment. Sasa niko sawa kabisa.

DO

David Ochieng

Senior Officer, Ministry of Education, Kisumu

Our transport business had more work than our existing fleet could handle, but buying three trucks outright would have tied up all our cash. The asset leasing solution allowed us to grow our fleet without draining our reserves. We added capacity, retained our working capital, and completed the expansion without panic.

AH

Amina Hassan

Operations Manager, Coastal Logistics Ltd, Mombasa

Bid bonds used to be our bottleneck on public tenders. We would identify a good opportunity, then lose valuable days waiting for the paperwork to move. Performance bonds are now issued in days rather than weeks, which means we can bid confidently and plan our projects properly.

PM

Peter Mwangi

Managing Director, Elmwood Contractors, Nairobi

I took a salaried loan to cover my daughter’s university fees after an unexpected change in our family finances. The terms were explained clearly with no hidden charges, and repayment through M-Pesa takes under a minute. The customer care team treated me with dignity from the first call.

GN

Grace Njeri

Teacher, Nairobi County

As a first-time borrower, I expected a wall of paperwork and confusing requirements. Instead, the borrower app guided me through KYC step by step. My application was approved and disbursed within two working days. For a growing agricultural business, that speed made a real difference.

SK

Samuel Kiprotich

Founder, Rift Valley Agri Traders, Eldoret

We wanted to improve our employee insurance cover without increasing the cost beyond what the clinic could manage. The insurance package gave our staff better protection at a practical price. When we had a claim, the team followed up instead of leaving us to chase answers.

FA

Fatuma Abdi

Proprietor, Sunrise Medical Centre, Garissa

The business portal gives me a live view of every facility, statement, and repayment schedule. Month-end reconciliation went from almost two days to one afternoon. That visibility has made our finance process cleaner and given management better information.

JO

James Otieno

Finance Lead, Lakeside Distributors, Kisumu

I have been part of the investor programme for three years and I value consistency more than flashy promises. Payouts have landed on schedule every quarter, and the portal statements are clear enough for me to understand where my portfolio stands.

LW

Lucy Wambui

Private Investor, Nairobi

Our supplier required an advance payment guarantee before releasing critical stock. Without it, the contract would have stalled. That single facility unlocked a contract worth eight figures. Signature Capital helped us look credible when timing mattered most.

BM

Brian Mutua

Procurement Manager, Athi Steel Works, Machakos

We had secured a supermarket supply agreement but needed money for packaging materials and transport before the first payment came in. The working capital facility bridged the gap without forcing us to give away ownership of the business. The officer handling our application understood seasonal cash flow, which made the process feel practical rather than rigid.

JA

Jane Atieno

Founder, Jalia Foods, Nakuru

The harvest season brought a good opportunity, but I needed to pay farmers quickly before produce moved to other buyers. The team moved fast enough for me to buy the stock at the right time. Nilisaidiwa vizuri, and the repayment plan matched the way my business actually earns money.

MK

Moses Karanja

Owner, Karanja Fresh Produce, Nyeri

Our school transport contracts require reliable vehicles, but maintenance costs came at the worst possible time. The facility kept our buses on the road when schools were reopening. The staff communicated openly about the documents and never made us feel like a number.

BM

Beatrice Muthoni

Director, Muthoni School Transport, Thika

Business in wholesale trade can change quickly. A supplier gave us a limited-time opportunity, and I needed credit without waiting for a long bank process. Signature Capital reviewed the application quickly and gave me a clear answer. Even when they could not approve one part immediately, they explained why and suggested a workable structure.

AN

Abdullahi Noor

Trader, Noor General Merchants, Eastleigh

We use the salary loan option to support staff during genuine emergencies, especially around school fees and medical needs. Our employees appreciate that the process is respectful, digital, and easy to follow. The deductions are organised properly, and the support team responds when HR needs clarification.

CA

Caroline Akinyi

HR Manager, Lakeview Hospitality Group, Kisumu

We won a commercial installation project but had to purchase materials before the client’s milestone payment. The short-term working capital gave us enough room to execute without delaying the client. That helped us build trust and win repeat work from the same customer.

EN

Eric Njuguna

Managing Partner, Njuguna Electricals, Nairobi

Our cooperative needed equipment to improve milk collection and reduce spoilage during the rainy season. Leasing made the equipment affordable while preserving funds for farmers and daily operations. The process was explained in plain language, which mattered because not everyone on our committee is comfortable with financial jargon.

MC

Miriam Chebet

Director, Highland Dairy Cooperative, Kericho

I needed reliable equipment and cash flow to take on a larger corporate contract. Traditional lenders wanted a long operating history that a young company simply did not have. Signature Capital looked at the actual opportunity and helped me structure the funding around it. The support gave my small team the confidence to deliver at a much higher level.

KO

Kevin Omondi

Founder, Omondi Digital Studio, Nairobi

Tourist seasons are unpredictable, so I needed a facility that would help me restock without creating a repayment burden I could not manage. The loan terms were practical and the repayment dates were explained before I signed anything. Hakuna pressure ya ajabu, just clear communication and professional service.

HM

Hawa Mohamed

Owner, Hawa Boutique, Malindi

A contractor cannot wait forever for a guarantee when the tender deadline is fixed. We had already prepared the technical bid when the financial requirement came up. The guarantee was processed quickly enough for us to submit a complete bid. We did not win every tender, but we stopped losing opportunities because of avoidable delays.

DW

Daniel Wekesa

Partner, Wekesa Building Works, Kakamega

We were expanding our training rooms and needed funds for renovations, equipment, and extra instructors. The funding helped us open the new class on schedule instead of postponing the intake. Customer care kept checking in without being intrusive, which made the whole experience easier.

PN

Purity Naliaka

Director, Naliaka Beauty Academy, Bungoma

A truck breakdown can affect several customers at once, especially when it happens during a busy logistics period. The emergency facility allowed us to repair the vehicle and continue serving our routes. The approval process was much faster than I expected, and the repayment plan was clearly documented.

JM

Joseph Maina

Fleet Supervisor, Maina Hauliers, Naivasha

We needed to repair classrooms and improve sanitation before opening a new school term. The financing arrived when the school needed it, not months after the project had already started. The team understood that education has fixed deadlines and helped us work backwards from the opening date.

RA

Rose Achieng

School Administrator, Bright Future Academy, Siaya

We had a large order from a marine contractor but needed to pay our suppliers before receiving the customer’s deposit. The working capital facility helped us accept the order without putting the entire business under strain. The people handling the account were responsive on email and phone, even when we had urgent questions late in the day.

IS

Ibrahim Salim

Director, Coastline Marine Supplies, Mombasa

A family medical emergency meant I needed access to funds quickly and did not have time for a complicated process. The application was simple, the communication was kind, and the money came through when it mattered. Asante sana to the customer care officer who kept me updated instead of leaving me guessing.

MW

Mercy Wairimu

Nurse, Nakuru County

We won a furniture supply contract for several offices and needed to buy materials before the first delivery. The facility supported the purchase cycle without disrupting our normal payroll and rent commitments. That balance was important because growth can become dangerous when every shilling is tied up in one project.

AK

Anthony Kariuki

Director, Kariuki Office Solutions, Nairobi

I started with a small shop and gradually built a reliable customer base among schools and local hotels. Signature Capital gave me access to credit when I was ready to move from retail quantities to wholesale buying. Nilielezwa kila kitu vizuri, and I always knew what the next repayment would be.

SJ

Salome Jepchirchir

Owner, Salome’s Cereal Shop, Eldoret

Cold-chain work leaves very little room for equipment failure. One faulty refrigeration unit can spoil stock and damage years of trust. The lease arrangement helped us add modern equipment without using all our cash upfront. We now handle more volume and have better resilience when one unit needs servicing.

VO

Victor Odhiambo

Operations Director, Western Cold Chain, Kisumu

Our business received a major event contract with only a short lead time. We had the skills and team, but needed working capital for staging and suppliers. The funding helped us say yes to a contract that would previously have been too large. The process was professional from beginning to end, and the team understood that events run on deadlines.

FN

Faith Njeri

Founder, Faith Events Kenya, Nairobi

Construction projects often require guarantees before the first machine arrives on site. The guarantee solution helped us meet the client’s requirements and mobilise without unnecessary delays. The documents were clear, and the relationship manager answered technical questions without passing us from desk to desk.

GB

George Barasa

Managing Director, Barasa Civil Works, Kitale

I wanted an investment option with proper statements and a team I could reach when I had questions. The investor portal makes it easy to follow my contributions, statements, and payout history. I appreciate the transparency. No chasing for basic information and no vague explanations.

NW

Nancy Wambui

Private Investor, Kiambu

Some of our fastest-moving parts come through suppliers who require immediate payment, while customers may take time to settle invoices. The credit facility helped us keep the shelves stocked during a difficult cash-flow period. The team did not pretend every request was the same. They listened to how the business operates and advised accordingly.

MJ

Mohamed Juma

Owner, Juma Auto Spares, Mombasa

A large institutional catering order required equipment and supplies before we could invoice the client. The facility covered the initial costs and allowed us to deliver the order without cutting corners. The client was happy, our staff were paid on time, and we gained a contract we still serve today.

LA

Lilian Anyango

Director, Anyango Catering Services, Kisumu

Agriculture is full of timing issues. If you miss the buying window, the opportunity is gone, especially for tea and fresh produce. The funding arrived in time for us to aggregate from farmers and meet the buyer’s delivery schedule. The repayment structure respected the seasonal nature of our income, which made it sustainable.

MK

Martin Kiplagat

Farmer and Aggregator, Bomet

We needed to improve stock levels for chronic medication and essential supplies, but cash was tied up in outstanding invoices. The working capital helped us serve patients consistently instead of turning them away because a product was out of stock. The staff were patient, accurate, and quick when we needed clarification about the account.

EM

Esther Muli

Director, Muli Pharmacy, Machakos

A new client wanted high-volume printing on a tight deadline, but our old machine could not handle the workload reliably. Leasing the equipment allowed us to take on the order and improve our capacity for future work. It was a smart way to grow without using all our cash on one asset.

RK

Robert Kinyanjui

Owner, Kinyanjui Printing Press, Nairobi

We needed working capital to fulfil a county tender and the timelines were brutal. I was worried because the supplier would not hold the stock for long. Signature Capital had the funds in our account inside 24 hours. That kind of turnaround helped us deliver on time and protect a very important client relationship.

WK

Wanjiru Kamau

Director, Kamau Hardware Supplies, Nairobi

The check-off loan process was refreshingly straightforward. The team explained every step patiently instead of rushing me through paperwork. Deductions come off my payslip automatically, so I never worry about missing a repayment. Sasa niko sawa kabisa.

DO

David Ochieng

Senior Officer, Ministry of Education, Kisumu

Our transport business had more work than our existing fleet could handle, but buying three trucks outright would have tied up all our cash. The asset leasing solution allowed us to grow our fleet without draining our reserves. We added capacity, retained our working capital, and completed the expansion without panic.

AH

Amina Hassan

Operations Manager, Coastal Logistics Ltd, Mombasa

Bid bonds used to be our bottleneck on public tenders. We would identify a good opportunity, then lose valuable days waiting for the paperwork to move. Performance bonds are now issued in days rather than weeks, which means we can bid confidently and plan our projects properly.

PM

Peter Mwangi

Managing Director, Elmwood Contractors, Nairobi

I took a salaried loan to cover my daughter’s university fees after an unexpected change in our family finances. The terms were explained clearly with no hidden charges, and repayment through M-Pesa takes under a minute. The customer care team treated me with dignity from the first call.

GN

Grace Njeri

Teacher, Nairobi County

As a first-time borrower, I expected a wall of paperwork and confusing requirements. Instead, the borrower app guided me through KYC step by step. My application was approved and disbursed within two working days. For a growing agricultural business, that speed made a real difference.

SK

Samuel Kiprotich

Founder, Rift Valley Agri Traders, Eldoret

We wanted to improve our employee insurance cover without increasing the cost beyond what the clinic could manage. The insurance package gave our staff better protection at a practical price. When we had a claim, the team followed up instead of leaving us to chase answers.

FA

Fatuma Abdi

Proprietor, Sunrise Medical Centre, Garissa

The business portal gives me a live view of every facility, statement, and repayment schedule. Month-end reconciliation went from almost two days to one afternoon. That visibility has made our finance process cleaner and given management better information.

JO

James Otieno

Finance Lead, Lakeside Distributors, Kisumu

I have been part of the investor programme for three years and I value consistency more than flashy promises. Payouts have landed on schedule every quarter, and the portal statements are clear enough for me to understand where my portfolio stands.

LW

Lucy Wambui

Private Investor, Nairobi

Our supplier required an advance payment guarantee before releasing critical stock. Without it, the contract would have stalled. That single facility unlocked a contract worth eight figures. Signature Capital helped us look credible when timing mattered most.

BM

Brian Mutua

Procurement Manager, Athi Steel Works, Machakos

We had secured a supermarket supply agreement but needed money for packaging materials and transport before the first payment came in. The working capital facility bridged the gap without forcing us to give away ownership of the business. The officer handling our application understood seasonal cash flow, which made the process feel practical rather than rigid.

JA

Jane Atieno

Founder, Jalia Foods, Nakuru

The harvest season brought a good opportunity, but I needed to pay farmers quickly before produce moved to other buyers. The team moved fast enough for me to buy the stock at the right time. Nilisaidiwa vizuri, and the repayment plan matched the way my business actually earns money.

MK

Moses Karanja

Owner, Karanja Fresh Produce, Nyeri

Our school transport contracts require reliable vehicles, but maintenance costs came at the worst possible time. The facility kept our buses on the road when schools were reopening. The staff communicated openly about the documents and never made us feel like a number.

BM

Beatrice Muthoni

Director, Muthoni School Transport, Thika

Business in wholesale trade can change quickly. A supplier gave us a limited-time opportunity, and I needed credit without waiting for a long bank process. Signature Capital reviewed the application quickly and gave me a clear answer. Even when they could not approve one part immediately, they explained why and suggested a workable structure.

AN

Abdullahi Noor

Trader, Noor General Merchants, Eastleigh

We use the salary loan option to support staff during genuine emergencies, especially around school fees and medical needs. Our employees appreciate that the process is respectful, digital, and easy to follow. The deductions are organised properly, and the support team responds when HR needs clarification.

CA

Caroline Akinyi

HR Manager, Lakeview Hospitality Group, Kisumu

We won a commercial installation project but had to purchase materials before the client’s milestone payment. The short-term working capital gave us enough room to execute without delaying the client. That helped us build trust and win repeat work from the same customer.

EN

Eric Njuguna

Managing Partner, Njuguna Electricals, Nairobi

Our cooperative needed equipment to improve milk collection and reduce spoilage during the rainy season. Leasing made the equipment affordable while preserving funds for farmers and daily operations. The process was explained in plain language, which mattered because not everyone on our committee is comfortable with financial jargon.

MC

Miriam Chebet

Director, Highland Dairy Cooperative, Kericho

I needed reliable equipment and cash flow to take on a larger corporate contract. Traditional lenders wanted a long operating history that a young company simply did not have. Signature Capital looked at the actual opportunity and helped me structure the funding around it. The support gave my small team the confidence to deliver at a much higher level.

KO

Kevin Omondi

Founder, Omondi Digital Studio, Nairobi

Tourist seasons are unpredictable, so I needed a facility that would help me restock without creating a repayment burden I could not manage. The loan terms were practical and the repayment dates were explained before I signed anything. Hakuna pressure ya ajabu, just clear communication and professional service.

HM

Hawa Mohamed

Owner, Hawa Boutique, Malindi

A contractor cannot wait forever for a guarantee when the tender deadline is fixed. We had already prepared the technical bid when the financial requirement came up. The guarantee was processed quickly enough for us to submit a complete bid. We did not win every tender, but we stopped losing opportunities because of avoidable delays.

DW

Daniel Wekesa

Partner, Wekesa Building Works, Kakamega

We were expanding our training rooms and needed funds for renovations, equipment, and extra instructors. The funding helped us open the new class on schedule instead of postponing the intake. Customer care kept checking in without being intrusive, which made the whole experience easier.

PN

Purity Naliaka

Director, Naliaka Beauty Academy, Bungoma

A truck breakdown can affect several customers at once, especially when it happens during a busy logistics period. The emergency facility allowed us to repair the vehicle and continue serving our routes. The approval process was much faster than I expected, and the repayment plan was clearly documented.

JM

Joseph Maina

Fleet Supervisor, Maina Hauliers, Naivasha

We needed to repair classrooms and improve sanitation before opening a new school term. The financing arrived when the school needed it, not months after the project had already started. The team understood that education has fixed deadlines and helped us work backwards from the opening date.

RA

Rose Achieng

School Administrator, Bright Future Academy, Siaya

We had a large order from a marine contractor but needed to pay our suppliers before receiving the customer’s deposit. The working capital facility helped us accept the order without putting the entire business under strain. The people handling the account were responsive on email and phone, even when we had urgent questions late in the day.

IS

Ibrahim Salim

Director, Coastline Marine Supplies, Mombasa

A family medical emergency meant I needed access to funds quickly and did not have time for a complicated process. The application was simple, the communication was kind, and the money came through when it mattered. Asante sana to the customer care officer who kept me updated instead of leaving me guessing.

MW

Mercy Wairimu

Nurse, Nakuru County

We won a furniture supply contract for several offices and needed to buy materials before the first delivery. The facility supported the purchase cycle without disrupting our normal payroll and rent commitments. That balance was important because growth can become dangerous when every shilling is tied up in one project.

AK

Anthony Kariuki

Director, Kariuki Office Solutions, Nairobi

I started with a small shop and gradually built a reliable customer base among schools and local hotels. Signature Capital gave me access to credit when I was ready to move from retail quantities to wholesale buying. Nilielezwa kila kitu vizuri, and I always knew what the next repayment would be.

SJ

Salome Jepchirchir

Owner, Salome’s Cereal Shop, Eldoret

Cold-chain work leaves very little room for equipment failure. One faulty refrigeration unit can spoil stock and damage years of trust. The lease arrangement helped us add modern equipment without using all our cash upfront. We now handle more volume and have better resilience when one unit needs servicing.

VO

Victor Odhiambo

Operations Director, Western Cold Chain, Kisumu

Our business received a major event contract with only a short lead time. We had the skills and team, but needed working capital for staging and suppliers. The funding helped us say yes to a contract that would previously have been too large. The process was professional from beginning to end, and the team understood that events run on deadlines.

FN

Faith Njeri

Founder, Faith Events Kenya, Nairobi

Construction projects often require guarantees before the first machine arrives on site. The guarantee solution helped us meet the client’s requirements and mobilise without unnecessary delays. The documents were clear, and the relationship manager answered technical questions without passing us from desk to desk.

GB

George Barasa

Managing Director, Barasa Civil Works, Kitale

I wanted an investment option with proper statements and a team I could reach when I had questions. The investor portal makes it easy to follow my contributions, statements, and payout history. I appreciate the transparency. No chasing for basic information and no vague explanations.

NW

Nancy Wambui

Private Investor, Kiambu

Some of our fastest-moving parts come through suppliers who require immediate payment, while customers may take time to settle invoices. The credit facility helped us keep the shelves stocked during a difficult cash-flow period. The team did not pretend every request was the same. They listened to how the business operates and advised accordingly.

MJ

Mohamed Juma

Owner, Juma Auto Spares, Mombasa

A large institutional catering order required equipment and supplies before we could invoice the client. The facility covered the initial costs and allowed us to deliver the order without cutting corners. The client was happy, our staff were paid on time, and we gained a contract we still serve today.

LA

Lilian Anyango

Director, Anyango Catering Services, Kisumu

Agriculture is full of timing issues. If you miss the buying window, the opportunity is gone, especially for tea and fresh produce. The funding arrived in time for us to aggregate from farmers and meet the buyer’s delivery schedule. The repayment structure respected the seasonal nature of our income, which made it sustainable.

MK

Martin Kiplagat

Farmer and Aggregator, Bomet

We needed to improve stock levels for chronic medication and essential supplies, but cash was tied up in outstanding invoices. The working capital helped us serve patients consistently instead of turning them away because a product was out of stock. The staff were patient, accurate, and quick when we needed clarification about the account.

EM

Esther Muli

Director, Muli Pharmacy, Machakos

A new client wanted high-volume printing on a tight deadline, but our old machine could not handle the workload reliably. Leasing the equipment allowed us to take on the order and improve our capacity for future work. It was a smart way to grow without using all our cash on one asset.

RK

Robert Kinyanjui

Owner, Kinyanjui Printing Press, Nairobi

We needed working capital to fulfil a county tender and the timelines were brutal. I was worried because the supplier would not hold the stock for long. Signature Capital had the funds in our account inside 24 hours. That kind of turnaround helped us deliver on time and protect a very important client relationship.

WK

Wanjiru Kamau

Director, Kamau Hardware Supplies, Nairobi

The check-off loan process was refreshingly straightforward. The team explained every step patiently instead of rushing me through paperwork. Deductions come off my payslip automatically, so I never worry about missing a repayment. Sasa niko sawa kabisa.

DO

David Ochieng

Senior Officer, Ministry of Education, Kisumu

Our transport business had more work than our existing fleet could handle, but buying three trucks outright would have tied up all our cash. The asset leasing solution allowed us to grow our fleet without draining our reserves. We added capacity, retained our working capital, and completed the expansion without panic.

AH

Amina Hassan

Operations Manager, Coastal Logistics Ltd, Mombasa

Bid bonds used to be our bottleneck on public tenders. We would identify a good opportunity, then lose valuable days waiting for the paperwork to move. Performance bonds are now issued in days rather than weeks, which means we can bid confidently and plan our projects properly.

PM

Peter Mwangi

Managing Director, Elmwood Contractors, Nairobi

I took a salaried loan to cover my daughter’s university fees after an unexpected change in our family finances. The terms were explained clearly with no hidden charges, and repayment through M-Pesa takes under a minute. The customer care team treated me with dignity from the first call.

GN

Grace Njeri

Teacher, Nairobi County

As a first-time borrower, I expected a wall of paperwork and confusing requirements. Instead, the borrower app guided me through KYC step by step. My application was approved and disbursed within two working days. For a growing agricultural business, that speed made a real difference.

SK

Samuel Kiprotich

Founder, Rift Valley Agri Traders, Eldoret

We wanted to improve our employee insurance cover without increasing the cost beyond what the clinic could manage. The insurance package gave our staff better protection at a practical price. When we had a claim, the team followed up instead of leaving us to chase answers.

FA

Fatuma Abdi

Proprietor, Sunrise Medical Centre, Garissa

The business portal gives me a live view of every facility, statement, and repayment schedule. Month-end reconciliation went from almost two days to one afternoon. That visibility has made our finance process cleaner and given management better information.

JO

James Otieno

Finance Lead, Lakeside Distributors, Kisumu

I have been part of the investor programme for three years and I value consistency more than flashy promises. Payouts have landed on schedule every quarter, and the portal statements are clear enough for me to understand where my portfolio stands.

LW

Lucy Wambui

Private Investor, Nairobi

Our supplier required an advance payment guarantee before releasing critical stock. Without it, the contract would have stalled. That single facility unlocked a contract worth eight figures. Signature Capital helped us look credible when timing mattered most.

BM

Brian Mutua

Procurement Manager, Athi Steel Works, Machakos

We had secured a supermarket supply agreement but needed money for packaging materials and transport before the first payment came in. The working capital facility bridged the gap without forcing us to give away ownership of the business. The officer handling our application understood seasonal cash flow, which made the process feel practical rather than rigid.

JA

Jane Atieno

Founder, Jalia Foods, Nakuru

The harvest season brought a good opportunity, but I needed to pay farmers quickly before produce moved to other buyers. The team moved fast enough for me to buy the stock at the right time. Nilisaidiwa vizuri, and the repayment plan matched the way my business actually earns money.

MK

Moses Karanja

Owner, Karanja Fresh Produce, Nyeri

Our school transport contracts require reliable vehicles, but maintenance costs came at the worst possible time. The facility kept our buses on the road when schools were reopening. The staff communicated openly about the documents and never made us feel like a number.

BM

Beatrice Muthoni

Director, Muthoni School Transport, Thika

Business in wholesale trade can change quickly. A supplier gave us a limited-time opportunity, and I needed credit without waiting for a long bank process. Signature Capital reviewed the application quickly and gave me a clear answer. Even when they could not approve one part immediately, they explained why and suggested a workable structure.

AN

Abdullahi Noor

Trader, Noor General Merchants, Eastleigh

We use the salary loan option to support staff during genuine emergencies, especially around school fees and medical needs. Our employees appreciate that the process is respectful, digital, and easy to follow. The deductions are organised properly, and the support team responds when HR needs clarification.

CA

Caroline Akinyi

HR Manager, Lakeview Hospitality Group, Kisumu

We won a commercial installation project but had to purchase materials before the client’s milestone payment. The short-term working capital gave us enough room to execute without delaying the client. That helped us build trust and win repeat work from the same customer.

EN

Eric Njuguna

Managing Partner, Njuguna Electricals, Nairobi

Our cooperative needed equipment to improve milk collection and reduce spoilage during the rainy season. Leasing made the equipment affordable while preserving funds for farmers and daily operations. The process was explained in plain language, which mattered because not everyone on our committee is comfortable with financial jargon.

MC

Miriam Chebet

Director, Highland Dairy Cooperative, Kericho

I needed reliable equipment and cash flow to take on a larger corporate contract. Traditional lenders wanted a long operating history that a young company simply did not have. Signature Capital looked at the actual opportunity and helped me structure the funding around it. The support gave my small team the confidence to deliver at a much higher level.

KO

Kevin Omondi

Founder, Omondi Digital Studio, Nairobi

Tourist seasons are unpredictable, so I needed a facility that would help me restock without creating a repayment burden I could not manage. The loan terms were practical and the repayment dates were explained before I signed anything. Hakuna pressure ya ajabu, just clear communication and professional service.

HM

Hawa Mohamed

Owner, Hawa Boutique, Malindi

A contractor cannot wait forever for a guarantee when the tender deadline is fixed. We had already prepared the technical bid when the financial requirement came up. The guarantee was processed quickly enough for us to submit a complete bid. We did not win every tender, but we stopped losing opportunities because of avoidable delays.

DW

Daniel Wekesa

Partner, Wekesa Building Works, Kakamega

We were expanding our training rooms and needed funds for renovations, equipment, and extra instructors. The funding helped us open the new class on schedule instead of postponing the intake. Customer care kept checking in without being intrusive, which made the whole experience easier.

PN

Purity Naliaka

Director, Naliaka Beauty Academy, Bungoma

A truck breakdown can affect several customers at once, especially when it happens during a busy logistics period. The emergency facility allowed us to repair the vehicle and continue serving our routes. The approval process was much faster than I expected, and the repayment plan was clearly documented.

JM

Joseph Maina

Fleet Supervisor, Maina Hauliers, Naivasha

We needed to repair classrooms and improve sanitation before opening a new school term. The financing arrived when the school needed it, not months after the project had already started. The team understood that education has fixed deadlines and helped us work backwards from the opening date.

RA

Rose Achieng

School Administrator, Bright Future Academy, Siaya

We had a large order from a marine contractor but needed to pay our suppliers before receiving the customer’s deposit. The working capital facility helped us accept the order without putting the entire business under strain. The people handling the account were responsive on email and phone, even when we had urgent questions late in the day.

IS

Ibrahim Salim

Director, Coastline Marine Supplies, Mombasa

A family medical emergency meant I needed access to funds quickly and did not have time for a complicated process. The application was simple, the communication was kind, and the money came through when it mattered. Asante sana to the customer care officer who kept me updated instead of leaving me guessing.

MW

Mercy Wairimu

Nurse, Nakuru County

We won a furniture supply contract for several offices and needed to buy materials before the first delivery. The facility supported the purchase cycle without disrupting our normal payroll and rent commitments. That balance was important because growth can become dangerous when every shilling is tied up in one project.

AK

Anthony Kariuki

Director, Kariuki Office Solutions, Nairobi

I started with a small shop and gradually built a reliable customer base among schools and local hotels. Signature Capital gave me access to credit when I was ready to move from retail quantities to wholesale buying. Nilielezwa kila kitu vizuri, and I always knew what the next repayment would be.

SJ

Salome Jepchirchir

Owner, Salome’s Cereal Shop, Eldoret

Cold-chain work leaves very little room for equipment failure. One faulty refrigeration unit can spoil stock and damage years of trust. The lease arrangement helped us add modern equipment without using all our cash upfront. We now handle more volume and have better resilience when one unit needs servicing.

VO

Victor Odhiambo

Operations Director, Western Cold Chain, Kisumu

Our business received a major event contract with only a short lead time. We had the skills and team, but needed working capital for staging and suppliers. The funding helped us say yes to a contract that would previously have been too large. The process was professional from beginning to end, and the team understood that events run on deadlines.

FN

Faith Njeri

Founder, Faith Events Kenya, Nairobi

Construction projects often require guarantees before the first machine arrives on site. The guarantee solution helped us meet the client’s requirements and mobilise without unnecessary delays. The documents were clear, and the relationship manager answered technical questions without passing us from desk to desk.

GB

George Barasa

Managing Director, Barasa Civil Works, Kitale

I wanted an investment option with proper statements and a team I could reach when I had questions. The investor portal makes it easy to follow my contributions, statements, and payout history. I appreciate the transparency. No chasing for basic information and no vague explanations.

NW

Nancy Wambui

Private Investor, Kiambu

Some of our fastest-moving parts come through suppliers who require immediate payment, while customers may take time to settle invoices. The credit facility helped us keep the shelves stocked during a difficult cash-flow period. The team did not pretend every request was the same. They listened to how the business operates and advised accordingly.

MJ

Mohamed Juma

Owner, Juma Auto Spares, Mombasa

A large institutional catering order required equipment and supplies before we could invoice the client. The facility covered the initial costs and allowed us to deliver the order without cutting corners. The client was happy, our staff were paid on time, and we gained a contract we still serve today.

LA

Lilian Anyango

Director, Anyango Catering Services, Kisumu

Agriculture is full of timing issues. If you miss the buying window, the opportunity is gone, especially for tea and fresh produce. The funding arrived in time for us to aggregate from farmers and meet the buyer’s delivery schedule. The repayment structure respected the seasonal nature of our income, which made it sustainable.

MK

Martin Kiplagat

Farmer and Aggregator, Bomet

We needed to improve stock levels for chronic medication and essential supplies, but cash was tied up in outstanding invoices. The working capital helped us serve patients consistently instead of turning them away because a product was out of stock. The staff were patient, accurate, and quick when we needed clarification about the account.

EM

Esther Muli

Director, Muli Pharmacy, Machakos

A new client wanted high-volume printing on a tight deadline, but our old machine could not handle the workload reliably. Leasing the equipment allowed us to take on the order and improve our capacity for future work. It was a smart way to grow without using all our cash on one asset.

RK

Robert Kinyanjui

Owner, Kinyanjui Printing Press, Nairobi

We needed working capital to fulfil a county tender and the timelines were brutal. I was worried because the supplier would not hold the stock for long. Signature Capital had the funds in our account inside 24 hours. That kind of turnaround helped us deliver on time and protect a very important client relationship.

WK

Wanjiru Kamau

Director, Kamau Hardware Supplies, Nairobi

The check-off loan process was refreshingly straightforward. The team explained every step patiently instead of rushing me through paperwork. Deductions come off my payslip automatically, so I never worry about missing a repayment. Sasa niko sawa kabisa.

DO

David Ochieng

Senior Officer, Ministry of Education, Kisumu

Our transport business had more work than our existing fleet could handle, but buying three trucks outright would have tied up all our cash. The asset leasing solution allowed us to grow our fleet without draining our reserves. We added capacity, retained our working capital, and completed the expansion without panic.

AH

Amina Hassan

Operations Manager, Coastal Logistics Ltd, Mombasa

Bid bonds used to be our bottleneck on public tenders. We would identify a good opportunity, then lose valuable days waiting for the paperwork to move. Performance bonds are now issued in days rather than weeks, which means we can bid confidently and plan our projects properly.

PM

Peter Mwangi

Managing Director, Elmwood Contractors, Nairobi

I took a salaried loan to cover my daughter’s university fees after an unexpected change in our family finances. The terms were explained clearly with no hidden charges, and repayment through M-Pesa takes under a minute. The customer care team treated me with dignity from the first call.

GN

Grace Njeri

Teacher, Nairobi County

As a first-time borrower, I expected a wall of paperwork and confusing requirements. Instead, the borrower app guided me through KYC step by step. My application was approved and disbursed within two working days. For a growing agricultural business, that speed made a real difference.

SK

Samuel Kiprotich

Founder, Rift Valley Agri Traders, Eldoret

We wanted to improve our employee insurance cover without increasing the cost beyond what the clinic could manage. The insurance package gave our staff better protection at a practical price. When we had a claim, the team followed up instead of leaving us to chase answers.

FA

Fatuma Abdi

Proprietor, Sunrise Medical Centre, Garissa

The business portal gives me a live view of every facility, statement, and repayment schedule. Month-end reconciliation went from almost two days to one afternoon. That visibility has made our finance process cleaner and given management better information.

JO

James Otieno

Finance Lead, Lakeside Distributors, Kisumu

I have been part of the investor programme for three years and I value consistency more than flashy promises. Payouts have landed on schedule every quarter, and the portal statements are clear enough for me to understand where my portfolio stands.

LW

Lucy Wambui

Private Investor, Nairobi

Our supplier required an advance payment guarantee before releasing critical stock. Without it, the contract would have stalled. That single facility unlocked a contract worth eight figures. Signature Capital helped us look credible when timing mattered most.

BM

Brian Mutua

Procurement Manager, Athi Steel Works, Machakos

We had secured a supermarket supply agreement but needed money for packaging materials and transport before the first payment came in. The working capital facility bridged the gap without forcing us to give away ownership of the business. The officer handling our application understood seasonal cash flow, which made the process feel practical rather than rigid.

JA

Jane Atieno

Founder, Jalia Foods, Nakuru

The harvest season brought a good opportunity, but I needed to pay farmers quickly before produce moved to other buyers. The team moved fast enough for me to buy the stock at the right time. Nilisaidiwa vizuri, and the repayment plan matched the way my business actually earns money.

MK

Moses Karanja

Owner, Karanja Fresh Produce, Nyeri

Our school transport contracts require reliable vehicles, but maintenance costs came at the worst possible time. The facility kept our buses on the road when schools were reopening. The staff communicated openly about the documents and never made us feel like a number.

BM

Beatrice Muthoni

Director, Muthoni School Transport, Thika

Business in wholesale trade can change quickly. A supplier gave us a limited-time opportunity, and I needed credit without waiting for a long bank process. Signature Capital reviewed the application quickly and gave me a clear answer. Even when they could not approve one part immediately, they explained why and suggested a workable structure.

AN

Abdullahi Noor

Trader, Noor General Merchants, Eastleigh

We use the salary loan option to support staff during genuine emergencies, especially around school fees and medical needs. Our employees appreciate that the process is respectful, digital, and easy to follow. The deductions are organised properly, and the support team responds when HR needs clarification.

CA

Caroline Akinyi

HR Manager, Lakeview Hospitality Group, Kisumu

We won a commercial installation project but had to purchase materials before the client’s milestone payment. The short-term working capital gave us enough room to execute without delaying the client. That helped us build trust and win repeat work from the same customer.

EN

Eric Njuguna

Managing Partner, Njuguna Electricals, Nairobi

Our cooperative needed equipment to improve milk collection and reduce spoilage during the rainy season. Leasing made the equipment affordable while preserving funds for farmers and daily operations. The process was explained in plain language, which mattered because not everyone on our committee is comfortable with financial jargon.

MC

Miriam Chebet

Director, Highland Dairy Cooperative, Kericho

I needed reliable equipment and cash flow to take on a larger corporate contract. Traditional lenders wanted a long operating history that a young company simply did not have. Signature Capital looked at the actual opportunity and helped me structure the funding around it. The support gave my small team the confidence to deliver at a much higher level.

KO

Kevin Omondi

Founder, Omondi Digital Studio, Nairobi

Tourist seasons are unpredictable, so I needed a facility that would help me restock without creating a repayment burden I could not manage. The loan terms were practical and the repayment dates were explained before I signed anything. Hakuna pressure ya ajabu, just clear communication and professional service.

HM

Hawa Mohamed

Owner, Hawa Boutique, Malindi

A contractor cannot wait forever for a guarantee when the tender deadline is fixed. We had already prepared the technical bid when the financial requirement came up. The guarantee was processed quickly enough for us to submit a complete bid. We did not win every tender, but we stopped losing opportunities because of avoidable delays.

DW

Daniel Wekesa

Partner, Wekesa Building Works, Kakamega

We were expanding our training rooms and needed funds for renovations, equipment, and extra instructors. The funding helped us open the new class on schedule instead of postponing the intake. Customer care kept checking in without being intrusive, which made the whole experience easier.

PN

Purity Naliaka

Director, Naliaka Beauty Academy, Bungoma

A truck breakdown can affect several customers at once, especially when it happens during a busy logistics period. The emergency facility allowed us to repair the vehicle and continue serving our routes. The approval process was much faster than I expected, and the repayment plan was clearly documented.

JM

Joseph Maina

Fleet Supervisor, Maina Hauliers, Naivasha

We needed to repair classrooms and improve sanitation before opening a new school term. The financing arrived when the school needed it, not months after the project had already started. The team understood that education has fixed deadlines and helped us work backwards from the opening date.

RA

Rose Achieng

School Administrator, Bright Future Academy, Siaya

We had a large order from a marine contractor but needed to pay our suppliers before receiving the customer’s deposit. The working capital facility helped us accept the order without putting the entire business under strain. The people handling the account were responsive on email and phone, even when we had urgent questions late in the day.

IS

Ibrahim Salim

Director, Coastline Marine Supplies, Mombasa

A family medical emergency meant I needed access to funds quickly and did not have time for a complicated process. The application was simple, the communication was kind, and the money came through when it mattered. Asante sana to the customer care officer who kept me updated instead of leaving me guessing.

MW

Mercy Wairimu

Nurse, Nakuru County

We won a furniture supply contract for several offices and needed to buy materials before the first delivery. The facility supported the purchase cycle without disrupting our normal payroll and rent commitments. That balance was important because growth can become dangerous when every shilling is tied up in one project.

AK

Anthony Kariuki

Director, Kariuki Office Solutions, Nairobi

I started with a small shop and gradually built a reliable customer base among schools and local hotels. Signature Capital gave me access to credit when I was ready to move from retail quantities to wholesale buying. Nilielezwa kila kitu vizuri, and I always knew what the next repayment would be.

SJ

Salome Jepchirchir

Owner, Salome’s Cereal Shop, Eldoret

Cold-chain work leaves very little room for equipment failure. One faulty refrigeration unit can spoil stock and damage years of trust. The lease arrangement helped us add modern equipment without using all our cash upfront. We now handle more volume and have better resilience when one unit needs servicing.

VO

Victor Odhiambo

Operations Director, Western Cold Chain, Kisumu

Our business received a major event contract with only a short lead time. We had the skills and team, but needed working capital for staging and suppliers. The funding helped us say yes to a contract that would previously have been too large. The process was professional from beginning to end, and the team understood that events run on deadlines.

FN

Faith Njeri

Founder, Faith Events Kenya, Nairobi

Construction projects often require guarantees before the first machine arrives on site. The guarantee solution helped us meet the client’s requirements and mobilise without unnecessary delays. The documents were clear, and the relationship manager answered technical questions without passing us from desk to desk.

GB

George Barasa

Managing Director, Barasa Civil Works, Kitale

I wanted an investment option with proper statements and a team I could reach when I had questions. The investor portal makes it easy to follow my contributions, statements, and payout history. I appreciate the transparency. No chasing for basic information and no vague explanations.

NW

Nancy Wambui

Private Investor, Kiambu

Some of our fastest-moving parts come through suppliers who require immediate payment, while customers may take time to settle invoices. The credit facility helped us keep the shelves stocked during a difficult cash-flow period. The team did not pretend every request was the same. They listened to how the business operates and advised accordingly.

MJ

Mohamed Juma

Owner, Juma Auto Spares, Mombasa

A large institutional catering order required equipment and supplies before we could invoice the client. The facility covered the initial costs and allowed us to deliver the order without cutting corners. The client was happy, our staff were paid on time, and we gained a contract we still serve today.

LA

Lilian Anyango

Director, Anyango Catering Services, Kisumu

Agriculture is full of timing issues. If you miss the buying window, the opportunity is gone, especially for tea and fresh produce. The funding arrived in time for us to aggregate from farmers and meet the buyer’s delivery schedule. The repayment structure respected the seasonal nature of our income, which made it sustainable.

MK

Martin Kiplagat

Farmer and Aggregator, Bomet

We needed to improve stock levels for chronic medication and essential supplies, but cash was tied up in outstanding invoices. The working capital helped us serve patients consistently instead of turning them away because a product was out of stock. The staff were patient, accurate, and quick when we needed clarification about the account.

EM

Esther Muli

Director, Muli Pharmacy, Machakos

A new client wanted high-volume printing on a tight deadline, but our old machine could not handle the workload reliably. Leasing the equipment allowed us to take on the order and improve our capacity for future work. It was a smart way to grow without using all our cash on one asset.

RK

Robert Kinyanjui

Owner, Kinyanjui Printing Press, Nairobi

Our People

Meet the dedicated individuals behind Signature Capital. Our people drive our commitment to excellence.

Sammy Muriuki
Nairobi, Kenya

Sammy Muriuki

Chairman & Co-Founder

Sets the strategic direction of Signature Capital, drawing on deep experience across Kenya’s non-bank financial services sector and a conviction that credit should be fast, fair, and transparent.

Harun Kaniaru
Westlands, Nairobi

Harun Kaniaru

Managing Director

Leads day-to-day operations across lending, guarantees, and leasing, with a focus on the 24-hour disbursement standard that defines how we serve our clients.

Frequently Asked Questions

Quick answers about our loans, insurance, guarantees, and leasing.

Access working capital in 24 Hours!

Unlock the power of your working capital in less than 24 hours. Our swift and seamless process ensures you have the funds you need to seize opportunities, manage cash flow, and drive your business forward.

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Whether you're exploring our financial solutions or need assistance, our team is ready to guide you. Contact us today for personalized support.

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