Paid on mobile money
You apply, we assess the business, then we send the loan to your phone. Approved loans are usually processed within 24 hours.
Empowering businesses across Kenya
Capital for the business. Support that stays.
We lend working capital to Kenyan shops, farms, and small firms. You also get a loan officer in your town, and training after we pay you.
Discover RapidCash
We lend to Kenyan businesses, and we stay with them.
RapidCash started in Kiambu in January 2024. We now have 32 branches, a head office in Ruiru, and *606# when you cannot walk in. We lend working capital. We train after we pay you. We do not take deposits.
Who we areTraining with every loan
Every Imarisha loan includes coaching on cash and stock. When the branch is closed, dial *606# to apply or repay.
32 branches across Kenya
We have branches from Busia to Gilgil. Head office is at Morovian Mall, Ruiru. We lend to women and men who run shops, farms, and small firms.
RapidCash is a non-deposit-taking microlender. We do not hold savings.
Products
A business loan, asset finance, or a salary advance.
Product
Imarisha Biashara Loan
A business loan for working capital, with training attached. Restock, pay suppliers, keep the shop open.
Learn more
Product
Asset Financing Loan
Logbook finance for established businesses — cash against a vehicle, repaid over up to 12 months.
Learn more
Product
Salary Advance Loan
Part of this month’s salary when school fees, an emergency, or a bill will not wait.
Learn moreHow a RapidCash loan works
Six steps from first contact to cash — and support after you repay.
Apply
Use this website, dial *606#, or visit a branch. An officer opens your file and confirms who you are.
We assess
Our credit team reviews the business and explains the cost of the loan in writing.
We decide
We approve or decline based on that review. There are no hidden charges.
We pay out
Approved funds go to your mobile money, usually within 24 hours.
We stay in touch
A loan officer follows the repayment so the business can keep trading.
Borrow again
If you repay well, you can apply again on *606#. We check the file again before we lend.
More than a loan
We lend. Then we train.
Loan officers do more than pay out cash. They teach bookkeeping, stock, and credit so the shop is stronger after the loan.
See how we train
RapidCash Foundation
Creating Opportunity. Changing Lives.
The company lends. The Foundation opens doors — education, digital learning, and community programmes in the towns we already serve.
See the Foundation32 branches
Find your nearest team
Thirty-two branches from Busia to Gilgil. Headquarters at Morovian Mall, Ruiru. Walk in Monday to Friday, 8am–5pm, or Saturday 8am–1pm.
Headquarters, Morovian Mall, Ruiru — or pick the town you trade in.
Apply and name your townOur network
32 branches, five regions
Pick a town to light it on the map. Walk in Monday–Friday 8am–5pm, Saturday 8am–1pm — or apply and we will send you to the right branch.
32 towns · Headquarters in Ruiru
Central
7Rift
9North Rift
2Western
8Nyanza
6How to repay
Lipa na M-Pesa. We do not take cash.
Use the official Paybill or the repayment shortcode. The account number is your national ID. Do not hand cash to anyone at a branch.
Paybill number
41250055
Account number: Your national ID number
- Shortcode 21823 — send the amount to 21823. Example: send 5000 to 21823.
- *606# — apply or manage a loan from any phone.
- This website — apply here. A loan officer will call you to finish onboarding.
- A branch — walk in for help. Repayment still goes through M-Pesa, not cash.
How to reach us
Four ways to access RapidCash
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01
This website
Fill the apply form. A loan officer calls you to finish onboarding.
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02
*606#
Apply or manage a loan from any phone, including when the branch is closed.
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03
A branch
Walk into one of 32 towns. Hours: Monday–Friday, 8:00am–5:00pm · Saturday, 8:00am–1:00pm.
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04
Call +254 754 555 4022
Customer care for an existing loan or a question before you apply.
Need a loan?
Apply on this website, dial *606#, or visit a branch. We will call you to finish onboarding.