The smarter, faster way to borrow money in Kenya.

We provide instant, fully digital loans to individuals and businesses – no branch visits, no endless paperwork, no hidden fees, or long waiting days.

What We Finance

Whether you need working capital, equipment, or a quick salary advance, we have a solution for you.

SME & Business Loans

Grow your shop, farm, or startup with flexible working capital from KSh 5,000 to KSh 1 million.

Asset & Logbook Financing

Unlock cash from your motor vehicle, machinery, or equipment while you keep using it.

Civil Servant Loans

Affordable, check-off salary advances for teachers, police officers, county and national government employees.

Personal Salary Advances

Get paid early when emergencies happen. Quick and easy access to funds.

Why Thousands Choose Amari Flow

We make borrowing simple, transparent, and fast.

100% Online

Apply using your phone in under 3 minutes. No paperwork required.

Instant Approval & Disbursement

Money hits your M-Pesa or bank in minutes.

Transparent Pricing

Know exactly what you’ll repay before you accept. No hidden fees.

Flexible Tenures

Repayment plans from 7 days to 48 months to suit your needs.

No Collateral Needed

Access funds for most loans without needing to provide security.