Asset Finance in Kenya: Fund Vehicles, Machinery & Equipment
Growth needs tools — vehicles, machinery, equipment. But tying up your cash to buy them outright can starve the rest of your business. Asset finance lets you acquire income-generating assets and pay for them over time, using the asset itself as security. Here's how asset finance works in Kenya and Nairobi in 2026.
What is asset finance?
Asset finance is a secured facility used to buy a specific asset — a delivery van, a tractor, a generator, salon or workshop equipment, medical machines, or office hardware. The asset you're financing usually doubles as the collateral, so you preserve your working capital and other lines of credit.
How much can you finance?
At Fantom Capital businesses and individuals can finance assets from KES 100,000 up to KES 5 million, with repayment of up to 48 months. The deposit, amount and term depend on the asset type, its useful life and your business cash flow.
How asset finance works, step by step
- Identify the asset and get a quotation from the supplier.
- Apply online with your business and asset details.
- Assessment of the asset and your repayment ability.
- Approval & payment — we settle the supplier and register the security.
- Repayment in instalments while the asset earns for you.
What can you finance?
- Commercial and personal vehicles, vans, lorries and PSVs.
- Plant and construction machinery.
- Agricultural equipment such as tractors and pumps.
- Manufacturing, salon, medical and workshop equipment.
- Generators, solar systems and office technology.
Why asset finance makes sense for Nairobi businesses
For SMEs across Nairobi — from Industrial Area workshops to retailers and service businesses — asset finance turns a large one-off cost into a predictable monthly expense that the asset itself helps to pay. You scale capacity now instead of waiting until you've saved the full amount.
Asset finance vs a car or logbook loan
If you specifically want to buy or refinance a car, a car loan may be a better fit. If you already own a vehicle and just need cash, a logbook loan against it could be faster — see how logbook loans work in Kenya.
Borrow from a CBK-licensed lender
Fantom Capital is licensed by the Central Bank of Kenya, so you get transparent terms and proper data protection. Read more on why a CBK licence matters.
Ready to grow?
View our asset financing page or apply online for a decision within 24 hours and put the right assets to work in your business.