FAQ’s

Currently the financing is only offered to the customers of our partners (Dukaree). In the future we will be expanding our services and offering through other partners. The finance can be requested through our partner platform and mobile App Dukaree.com

The business must be operating minimum of 2 years, profitable last year of operation has requisite licences to operate, no outstanding personal (owner/operator) and business debt (other than credit terms with good standing), located within Kenya.

We operate in a fairer and more transparent business practices between Businesses and HAL Capital. We charge simple business administrative fee.

No. We finance business (Duka) stock purchase from known supplier and we directly pay the suppliers for the good o stock on your behalf.

HAL finance products are not based on pricing money and earning interest as conventional interest-based financing do, we generate our profit from trade where goods and services are bought and sold with the resultant proceeds are invested into the business (Duka).

Our finance settlement (repayment) plan is designed to meet your business expectation and growth horizon – the core of it is the flexibility to choose terms that suit your business need. Our financing terms start from 7 days to 30 days.

Settlement (repayment) is due at the end of the financing agreed term, the client can initiate the payment through our partners Mobile App to settle the financing on or before the due date or pay through the HAL Capital App.

No, the full outstanding must be paid on or before the due date

Our minimum financing amount is USD10.

Our maximum financing limit is USD500.

Yes, if you qualify. When you log into the HAL Capital App you will see the different finance offers that is available to you.

Your business is automatically re-evaluated to see if you’re eligible for an additional financing, the evaluation is based on various factors including your previous finance and repayment history with HAL Capital. You can check back into the HAL Capital App dashboard to see if you have other finance offers.

We may charge an administration fee for any late or partial repayments, but this cannot be charged to cover opportunity cost. Late payment if any, after administrative expenses, is donated to charitable institutions.