Turnover Tax (TOT) in Kenya is a simplified tax charged on your total sales, not your profit. If your business turns over between KES 1,000,000 and KES 25,000,000 a year, KRA almost certainly expects you to be paying it, whether you’ve registered for it or not. Many small business owners in Kenya either don’t know…
Free NGO loans in Kenya without collateral do exist. But “free” and “no requirements at all” are two very different things, and mixing them up is exactly how people end up in a scam instead of a loan. If you’ve searched this exact phrase, here’s the honest picture: which real NGO and microfinance programs skip…
KRA collected a record KSh 988.78 billion in customs revenue during the 2025/26 financial year, marking the highest-ever customs collection in Kenya’s history. If you import goods, run an e-commerce or reselling side hustle, or simply want to understand what’s driving the cost of goods at the border right now, here’s exactly what this record…
Kenya’s capital markets gap is leaving a huge segment of the country’s businesses stranded between two worlds — too large for microfinance or informal lending, but not yet attractive enough for the main investment market. If you run a growing Kenyan business and have found yourself rejected by banks despite a solid track record, this…
Kenyan bank lending rates are falling to their lowest levels in over two years, giving borrowers genuine relief after a prolonged period of expensive credit. If you’ve been holding off on a loan application, waiting for banks to make borrowing more affordable, the data now shows that shift is actually happening — here’s exactly what’s…
Digital loans in Kenya emergencies have become the norm rather than the exception, according to a new report that paints a sobering picture of the country’s financial resilience. If you’ve ever taken a quick mobile loan just to get through a tough week, you’re far from alone — and the data behind this trend reveals…
Digital loans in Kenya have transformed how individuals handle financial emergencies by providing instant credit directly to their mobile phones. However, the convenience of M-Pesa deposits has a dark side. The Central Bank of Kenya (CBK) recently flagged over 400 digital lending companies operating illegally. While the CBK is cracking down on unethical lenders with strict regulations,…
A digital loan app offers quick credit during emergencies. In recent years, unregulated lenders flooded the Kenyan market and engaged in harassment, hidden fees, and data privacy violations. To protect borrowers, the Central Bank of Kenya (CBK) stepped in. The CBK issued regulations in 2022. They prohibit operating a digital lending business without regulatory approval. Before…
Every year, hundreds of thousands of Kenyan students join universities and TVET colleges with one urgent question that nobody around them can answer clearly: how much HELB loan will I actually get, and how do I apply before the deadline? This guide answers both — in plain language, with real shilling figures, and including the…
Finding the cheapest bank loans in Kenya in 2026 could save you hundreds of thousands of shillings over the life of your loan. Yet, most Kenyans simply walk into the bank where they have a salary account and accept whatever rate they are offered. That is an expensive mistake. According to the latest Central Bank…
