What We Offer

The Weza Working Capital Loan

Goldstep Capital offers one focused product: the Weza Working Capital Loan. It's built specifically for Kenya's small and micro business owners — fast, accessible, and designed around how your business actually works.

Working Capital Loans

The Weza loan gives you the capital to restock, cover operational costs, and seize business opportunities as they arise.

  • Starting loan: KES 5,000 – 20,000
  • Maximum loan: KES 50,000
  • 30-day tenor, min repayment 14 days
  • One-time registration fee: KES 500
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M-Pesa Disbursement & Repayment

Goldstep is a fully digital, cashless operation. Your loan lands in your M-Pesa the moment it's approved — and repaying is just as simple.

  • Funds sent to your M-Pesa till
  • Repay via M-Pesa anytime
  • No cash handling required
  • You only pay for the days you use
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Free Business Training

Every Goldstep client receives business training to help them manage finances, grow their enterprise, and build towards higher loan limits over time.

  • Included with every loan
  • Practical financial management skills
  • Grow your limit up to KES 50,000
  • No extra cost
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Simple Process

How It Works

1

BDO Visits You

A Goldstep Business Development Officer visits your business in person to assess your operations and take photos.

2

Submit Documents

Provide your original National ID, valid business permit, and your M-Pesa till number registered in your name.

3

Get Approved

Your application is reviewed and verified. Once approved, you'll be notified and your loan agreement is confirmed.

4

Receive via M-Pesa

Funds are disbursed directly to your M-Pesa till. Repay anytime via M-Pesa to Goldstep Capital's till number.

What You Need

Loan Requirements

To apply for a loan with Goldstep Capital, you'll need to meet the following basic requirements:

Personal Requirements

  • • Original National ID
  • • Age: 18 – 70 years
  • • Must own and operate the business
  • • No guarantor required

Business Requirements

  • • Valid business permit
  • • Operating at a permanent legal location for 6+ months
  • • Profit margin of 40% or above
  • • Sole proprietorship or similar structure

M-Pesa Requirements

  • • M-Pesa Till Number in your name
  • • No savings deposit required
  • • No collateral required
  • • One-time registration fee: KES 500

Ready To Get Started?

Register your interest today and a Goldstep BDO will visit your business to get you started.

Apply for Weza Loan