Asset Financing Business Loan

Smart Financing for Smarter Growth.

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What is Asset Financing?

Asset financing allows your business to purchase equipment, vehicles, or technology with flexible repayment terms. Instead of paying large sums upfront, you spread costs over time while keeping your cash flow intact
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Benefits of Asset Financing

Quick Approval

Fast and digital loan processing.

No Waiting

Don’t wait for long payment cycles.

Preserve Cash Flow

Keep your business running smoothly while securing the assets you need.

Flexible Repayments

Terms that suit your revenue cycles.

No Heavy Upfront Costs

Spread the cost of high-value purchases over time.

Grow Faster

Access the equipment or vehicles that drive business growth.

Eligibility Criteria

You may qualify if:
  • Your business has been operating for at least 12 months.
  • You can show regular monthly revenue.
  • You have valid company registration with PACRA.
  • You can provide the required documentation.
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Case Study Example

You need a new machine worth K500,000 to take your business to the next level. With Lupiya Asset Financing, you don’t have to pay the full amount upfront.

We cover the cost so you can get the machine today, and you simply repay us in 12 easy monthly installments.

This means your business keeps its cash flow intact, production goes up, and you start earning more — all while paying for the asset at a pace that suits you.
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Required Documents

To complete your application, you’ll need:
  • ZRA Tax Certificate
  • Latest 12-month Bank Statement
  • Historical Invoices
  • Purchase Order
  • Sales Records
  • Financial Statements
  • Company Profile
  • PACRA Certificate
  • Directors’ IDs
  • Certificate of Incorporation

How it works

1. Apply Online

Submit your application with supporting documents.

2. Assessment

We review your business records and purchase order.

3. Approval

Get a quick decision tailored to your business needs.

4. Disbursement

Funds released directly to acquire your asset.

5. Repayment

Pay in easy installments over the agreed term.
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Support

Got Questions? We can help

Everything you need to know about the Asset Financing. Can’t find the answer you’re looking for? Please chat to our team.
How much can I borrow?
Loan amounts depend on the value of the asset and your business capacity.
How long are the repayment terms?
Terms range from 1–12 months
Do I need collateral?
The financed asset itself often serves as security.
How long is the repayment period?
Most applications are processed within 3-4 days once documents are submitted.