Home - Swiftlend Capital

Fast, responsible salary advances and business financing for Kenyan companies and SMEs

Instant payroll linked salary advances, short term SME financing, and purchase order financing with fast mobile money disbursements and repayments.

I’m an Employee
Get Salary Advance I’m a Business
Get Financing Refer or
Onboard Your Employer

Our products

Two products. One mission.

Financial freedom for employees, working capital for SMEs, all with mobile money disbursements and no hidden fees.

Avead Salary Advance

Check-off payroll advance for employees of partner companies. Access earned pay before payday, no questions, no paperwork.

✓ Minimum 15-day advance period
✓ Fixed daily platform fee
✓ Repaid via automatic payroll check-off
✓ Disbursed to M-Pesa in under 2 hours
✓ No activation, annual, or monthly fees

Apply now as employee

Avead Biashara Loan

21–30 day working capital for SMEs. Stock your shelves, pay suppliers, fulfil orders without waiting for cash to arrive.

✓ No collateral required
✓ Fixed daily platform fee
✓ Funds within 24 hours (repeat: under 1 min)
✓ Invoice financing & purchase order financing
✓ Free business training included

Apply for Biashara Loan

Estimate Your Repayment

Select your product, amount, and duration to see a clear breakdown of your principal and interest.

Select Product

Amount (KES)

10,000 250,000

Minimum amount is 10,000 KES

Duration (Days)

Minimum duration is 21 days

Fixed Rate Days 1 – 14 11.7%

Daily Rate Days 15 – 30 +0.84% / day

Principal Amount: KES 10,000

Platform Fee: KES 1,758

Total Repayment: KES 11,758

Business Training Section

FREE WITH EVERY PRODUCT

Business training that actually works

Our ‘touch-tech’ approach pairs a dedicated field officer with our digital platform. You’ll learn to tell profit from sales, track every expense, and read a basic profit and loss so your business grows alongside your financing.

Explore training →

📊

Sales vs profit

Understand why high sales don’t mean high profit and how to measure real margin.

🧾

Expense tracking

Factor all costs including credit into your business expenses accurately.

📋

Basic accounting

Read and create simple profit and loss reports, cash flow statements, and balance sheets.

💳

Credit as a tool

Use financing strategically understanding that credit is a business expense, not free cash.

How it Works

Apply

Submit your application in minutes

➔

Verification

We verify your details

➔

Approval

Get approved instantly

➔

Receive Funds

Funds sent to you via mobile money