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About Bingwa Micro Capital Limited

Bingwa Micro Capital Limited is a Kenyan micro-lending and salary-advance platform that provides short-term credit to employees of partnered companies. The institution focuses on offering instant salary advances to workers in small and medium-sized private firms. The platform operates through digital channels such as USSD, web portals, and mobile applications, allowing employees to apply for loans and receive funds quickly, often within minutes.

Amount

KSH 500 - KSH 100,000

Tenor

1 - 24 months

Min. approval time

24 hrs

Countries

Created on

March 2026

Last updated

March 2026

Requirements

The basic requirements to apply for a loan on Bingwa Micro Capital Limited include:

  • •   Must be a salaried employee
  • •   Employer must be partnered with Bingwa Micro Capital
  • •   Employee must be registered in the Bingwa system through their employer
  • •   Loan eligibility is determined based on the employee’s salary and pre-qualified limit
  • •   Application through USSD, mobile app, or web portal
  • •   No guarantor required for borrowing

How to Apply

To apply for a loan with Bingwa Micro Capital Limited, visit the lender's website and click on "Get Started." If you meet the eligibility criteria and agree with the terms, complete and submit the online application form.


This lender claims it can approve applications on the same day they are submitted and disburse funds within 24 to 72 hrs.

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