Introduction

These Terms and Conditions govern the use of financial products offered by At Home Capital, including SME Financing and Stock Financing. By applying for or using our services, you agree to comply with these terms. Our mission is to empower businesses in Nairobi, Kenya, with tailored financing solutions, having disbursed 30 million KES and approved 5000 loans since inception, with 95% of clients requesting repeat financing.

Eligibility

To qualify for our products, clients must meet the following requirements:

• Possess a valid Kenyan ID.
• Provide sales or financial records to assess affordability (no traditional collateral required).
• Have prior trade history with distributors (Stock Financing)

Eligibility is assessed during the application process, ensuring transparency and fairness.

Application Process

Clients may apply via our online form at apply loan or by calling +254 114 534 217 / 249. The process includes:

• Step 1: Application - Submit required documents (e.g., Kenyan ID, sales records).
• Step 2: Verification - Our team verifies data within 12 hours for new clients.
• Step 3: Disbursement - Funds or stock/vehicles are delivered, often within an hour for repeat clients.
• Step 4: Repayment - Repay within the specified term (see below).

Repayment Terms

Repayment schedules vary by product:

• SME Financing: Easy repayment options., flexible based on sales records.
• Stock Financing: Easy and flexible repayment options, aligned with inventory turnover.

With a 97% on-time repayment rate, we encourage timely payments to maintain eligibility for repeat financing.

Fees and Charges

New clients pay a one-time registration fee. There are no hidden charges; clients repay only the principal and agreed interest.

Client Responsibilities

Clients are responsible for:

• Providing accurate and complete information during application.
• Repaying loans within the agreed term to avoid penalties.
• Participating in optional business training and mentorship programs to enhance financial discipline.

Dispute Resolution

For issues or inquiries, contact our customer care at +254 114 534 217 / 249 or visit our office at Salute Flats, Catherine Ndereba Street, Mombasa Road, Nairobi. We aim to resolve complaints promptly and transparently.

Compliance

At Home Capital operates in compliance with Kenyan financial regulations. All terms are subject to change, with updates communicated via email (info@athomecapital.co.ke) or our website. Clients must adhere to these terms to maintain active financing agreements.