{"id":7530,"date":"2023-06-16T09:42:34","date_gmt":"2023-06-16T09:42:34","guid":{"rendered":"https:\/\/twelvecitydigital.co.ke\/dcl\/?page_id=7530"},"modified":"2025-11-04T12:26:06","modified_gmt":"2025-11-04T12:26:06","slug":"loan-based-financing","status":"publish","type":"page","link":"https:\/\/discountcapital.co.ke\/loan-based-financing\/","title":{"rendered":"Loan Based Financing"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1693806279439{margin-top: -50px !important;margin-bottom: -20px !important;padding-top: 150px !important;padding-bottom: 100px !important;background-image: url(https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/06\/loan-based.webp?id=7532) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner]<header class=\"kd-section-title vc_col-lg-6 vc_col-sm-8 text-left  kd-animated fadeIn  \" data-animation-delay=200><h2 class=\"separator_off\" style=\"color: #232959;font-size: 42px;\">What is loan based financing?<\/h2><h6 class=\"subtitle \" style=\"color: #232959;font-size: 18px;\">This is financing to enable the supplier to engage in supply chain activities in order to deliver a good\/service to the buyer.<\/h6><\/header>[vc_column_text css=&#8221;&#8221;]<\/p>\n<ul>\n<li><span style=\"color: #232959;\">Access to larger amounts of capital<\/span><\/li>\n<li><span style=\"color: #232959;\">Competitive repayment terms<\/span><\/li>\n<li><span style=\"color: #232959;\">Competitive interest rates<\/span><\/li>\n<li><span style=\"color: #232959;\">Flexible collateral requirements<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1516118473562{margin-bottom: 30px !important;}&#8221;][vc_column_inner width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1540292208729{margin-left: 0px !important;padding-left: 0px !important;}&#8221;][vc_empty_space]<a  href=\"#Contact-us\"  target=\"_self\"  title=\"\" class=\"tt_button tt_secondary_button btn_secondary_color  pull-left button-action-link\" ><span class=\"prim_text\">Apply Now<\/span><\/a>[vc_empty_space height=&#8221;16px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;7\/12&#8243; css=&#8221;.vc_custom_1511266572685{padding-right: 50px !important;padding-left: 50px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1692980929282{padding-bottom: 100px !important;}&#8221;][vc_column]<div class=\"feature-sections-wrapper kd-fsp-69e256e14c1a3 \">\r\n            <section class=\"feature-sections-tabs  \">\r\n              <nav class=\"kd-feature-tabs\">\r\n                <ul class=\"nav nav-tabs sticky-tabs container\">\r\n                <\/ul>\r\n              <\/nav>\r\n            <\/section>\r\n            <section id=\"kd-fss-69e256e14c782\" class=\"featured-left \"><li class=\"nav-label\"><a class=\"feature-tabs-scroll\" href=\"#kd-fss-69e256e14c782\"><span class=\"nav-custom-icon\" style=\"width: 36px;\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/05\/invoice-3.png\" class=\"attachment-full\" alt=\"\" title=\"invoice (3)\" \/><\/span>Leasing<\/a><\/li><div class=\"container\">\r\n                <div class=\"side-content-wrapper kd-animated fadeInLeft\" data-animation-delay=\"200\"><i class=\" section-icon\" style=\" \"><\/i> <h2 class=\"side-content-title\" style=\"color: #232959;\">Leasing<\/h2><div class=\"side-content-text\" style=\"color: #232959;\"><p>This is an asset financing solution allowing clients to acquire and utilize capital-intensive assets without primarily owning the asset. The financier &#8211; DCL (Lessor) purchases the asset and provides to the client (Lessee) who pays a pre-agreed monthly instalment to utilize the asset over a set period of time.<\/p>\n<ul>\n<li>Preservation of Capital<\/li>\n<li>Improved Cash Flow Management<\/li>\n<li>Access to Up-to-Date Equipment<\/li>\n<\/ul>\n<p>\n<\/div><div class=\"side-content-link sc-primary-btn\"><a href=\"#Contact-us\" target=\"_self\" title=\"Apply Now\" class=\"tt_button tt_primary_button btn_primary_color button-action-link\">Apply Now<\/a><\/div><\/div><div class=\"side-featured-wrapper fss-organic-2-rotate kd-animated fadeInRight fss-shadow-image\" data-animation-delay=\"200\">\r\n      <div class=\"featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/09\/prostream1800_v2_1920x1080-1.jpg\" class=\"attachment-full\" alt=\"Leasing financing\" title=\"prostream1800_v2_1920x1080 (1)\" srcset=\"https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/09\/prostream1800_v2_1920x1080-1.jpg 1920w, https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/09\/prostream1800_v2_1920x1080-1-300x169.jpg 300w, https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/09\/prostream1800_v2_1920x1080-1-1024x576.jpg 1024w, https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/09\/prostream1800_v2_1920x1080-1-768x432.jpg 768w, https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/09\/prostream1800_v2_1920x1080-1-1536x864.jpg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/div>\r\n    <\/div><\/div>\r\n            <\/section><section id=\"kd-fss-69e256e14de78\" class=\"featured-right \"><li class=\"nav-label\"><a class=\"feature-tabs-scroll\" href=\"#kd-fss-69e256e14de78\"><span class=\"nav-custom-icon\" style=\"width: 36px;\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/05\/money-1.png\" class=\"attachment-full\" alt=\"\" title=\"money (1)\" \/><\/span>Insurance Premium Financing<\/a><\/li><div class=\"container\">\r\n                <div class=\"side-content-wrapper kd-animated fadeInLeft\" data-animation-delay=\"200\"><i class=\" section-icon\" style=\" \"><\/i> <h2 class=\"side-content-title\" style=\"color: #232959;\">Insurance Premium Financing<\/h2><div class=\"side-content-text\" style=\"color: #232959;\"><p>A short-term loan solution tailored to enable clients pay for their annual insurance premium and repay in pre-agreed monthly instalments over a pre-agreed period of time.<\/p>\n<ul>\n<li>Preservation of Cash Flow<\/li>\n<li>Asset Protection<\/li>\n<li>Risk Management<\/li>\n<\/ul>\n<p>\n<\/div><div class=\"side-content-link sc-primary-btn\"><a href=\"#Contact-us\" target=\"_self\" title=\"Apply Now\" class=\"tt_button tt_primary_button btn_primary_color button-action-link\">Apply Now<\/a><\/div><\/div><div class=\"side-featured-wrapper fss-organic-2-rotate kd-animated fadeInRight fss-shadow-image\" data-animation-delay=\"200\">\r\n      <div class=\"featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1067\" height=\"800\" src=\"https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/09\/AssetProtectioTrust-2-1.jpg\" class=\"attachment-full\" alt=\"IPF\" title=\"AssetProtectioTrust-2 (1)\" srcset=\"https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/09\/AssetProtectioTrust-2-1.jpg 1067w, https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/09\/AssetProtectioTrust-2-1-300x225.jpg 300w, https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/09\/AssetProtectioTrust-2-1-1024x768.jpg 1024w, https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/09\/AssetProtectioTrust-2-1-768x576.jpg 768w\" sizes=\"auto, (max-width: 1067px) 100vw, 1067px\" \/><\/div>\r\n    <\/div><\/div>\r\n            <\/section>\r\n            <\/div><style type=\"text\/css\">.feature-sections-wrapper.kd-fsp-69e256e14c1a3 .feature-sections-tabs { background-color: #5380c1; }.feature-sections-wrapper.kd-fsp-69e256e14c1a3 .feature-sections-tabs { border-color: #ffffff; }.feature-sections-wrapper.kd-fsp-69e256e14c1a3 .feature-sections-tabs .nav-tabs a, .feature-sections-wrapper .feature-sections-tabs .nav-tabs a .fa { color: #ffffff; }.feature-sections-wrapper.kd-fsp-69e256e14c1a3 .feature-sections-tabs .nav-tabs li.active a,\r\n                .feature-sections-wrapper.kd-fsp-69e256e14c1a3 .feature-sections-tabs .nav-tabs a:hover,\r\n                .feature-sections-wrapper.kd-fsp-69e256e14c1a3 .feature-sections-tabs .nav-tabs li.active a .fa,\r\n                .feature-sections-wrapper.kd-fsp-69e256e14c1a3 .feature-sections-tabs .nav-tabs a:hover .fa { color: #232959; }.feature-sections-wrapper.kd-fsp-69e256e14c1a3 .feature-sections-tabs .nav-tabs li.active a { border-color: #232959; }<\/style>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1693665680665{padding-top: 80px !important;padding-bottom: 80px !important;background-color: #f4fbff !important;}&#8221;][vc_column]<header class=\"kd-section-title col-lg-12 text-center    \" ><h2 class=\"separator_off\" style=\"color: #232959;\">Frequently asked questions<\/h2><h6 class=\"subtitle \" style=\"color: #232959;font-size: 18px;\">Here's something to know we get sit down.<\/h6><\/header>[vc_toggle title=&#8221;What is the difference between post-performance and pre-performance financing?&#8221; custom_font_container=&#8221;tag:h2|font_size:18px|text_align:left|color:%23232959|line_height:21px&#8221; custom_use_theme_fonts=&#8221;yes&#8221; use_custom_heading=&#8221;true&#8221;]<span style=\"font-weight: 400;\">Post-performance is financing after you\u2019ve delivered the product\/service to the buyer and are awaiting payment wile pre-performance is financing before you have served the client.<\/span>[\/vc_toggle][vc_toggle title=&#8221;How many invoices\/transactions can I finance?&#8221; custom_font_container=&#8221;tag:h2|font_size:18px|text_align:left|color:%23232959|line_height:21px&#8221; custom_use_theme_fonts=&#8221;yes&#8221; use_custom_heading=&#8221;true&#8221;]<span style=\"font-weight: 400;\">There is no limit to the number of invoices and transactions you can finance, however there is a limit on the balance due to DCL that a client can hold at any given time.<\/span>[\/vc_toggle][vc_toggle title=&#8221;Who is eligible for financing?&#8221; custom_font_container=&#8221;tag:h2|font_size:18px|text_align:left|color:%23232959|line_height:21px&#8221; custom_use_theme_fonts=&#8221;yes&#8221; use_custom_heading=&#8221;true&#8221;]<span style=\"font-weight: 400;\">Clients must the following criteria:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Has been in operation for 1+ years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Has banked with current bankers for at least 6 months.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maximum three unpaid items in the last 6 months\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No past due to LCs, loans or interest arrears in the last 6 months\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The business should not be on the prohibited list as defined in Credit Policy<\/span><\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How long does the application process take?&#8221; custom_font_container=&#8221;tag:h2|font_size:18px|text_align:left|color:%23232959|line_height:21px&#8221; custom_use_theme_fonts=&#8221;yes&#8221; use_custom_heading=&#8221;true&#8221;]<span style=\"font-weight: 400;\">Subject to provision of pertinent documents and results of security perfection, the process can take as little as 48 hours.<\/span>[\/vc_toggle]<div class=\"kd-calltoaction no_icon \" >\n                <div class=\"container\">\n                  <div class=\"cta-text-container \" ><div class=\"cta-text\">\n                        <h3 style=\"color: #232959;\">Still got questions?<\/h3><p style=\"color: #232959;\">If you cannot find the answer to your question in our FAQs, you can always contact us. One of our financing experts will be happy to help.<\/p><\/div>\n                    <\/div>\n                    <div class=\"cta-btncontainer\"><a href=\"https:\/\/discountcapital.co.ke\/contact-us\/\"  title=\"Contact Us\" class=\"tt_button tt_primary_button button-action-link btn_primary_color \" >Contact Us<\/a><\/div>\n                <\/div>\n            <\/div><div class=\"kd-shapes shape_organic_2 shape_left_pos kd-animated zoomIn\" style=\"bottom: -10em;width: 800px;height: 800px;background-color: #faf5ff;\" data-animation-delay=400><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; kd_top_separator_style=&#8221;rounded-up&#8221; kd_top_separator_height=&#8221;separator-height-medium&#8221; kd_top_separator=&#8221;true&#8221; kd_top_separator_bg=&#8221;#f4fbff&#8221; css=&#8221;.vc_custom_1693665641883{margin-bottom: 60px !important;padding-top: 80px !important;padding-bottom: 80px !important;}&#8221; el_id=&#8221;Contact-us&#8221;][vc_column]<header class=\"kd-section-title col-lg-12 text-center  kd-animated fadeIn   vc_custom_1693817770814\" data-animation-delay=200><h2 class=\"separator_off\" style=\"color: #232959;\">Apply for finance now<\/h2><h6 class=\"subtitle \" style=\"color: #232959;font-size: 18px;\">Fill the form to learn more about our products or check if you qualify for financing.<\/h6><\/header>[vc_empty_space][vc_row_inner css=&#8221;.vc_custom_1693053855578{padding-top: 50px !important;padding-bottom: 90px !important;border-radius: 35px !important;}&#8221; el_class=&#8221;with-shadow&#8221;][vc_column_inner css=&#8221;.vc_custom_1693053770061{padding-right: 40px !important;padding-left: 40px !important;border-radius: 1px !important;}&#8221;][vc_column_text css=&#8221;&#8221;]<form id=\"forminator-module-7970\" class=\"forminator-custom-form forminator-custom-form-7970\" method=\"post\" data-forminator-render=\"0\" data-uid=\"69e256e14e3f8\"><div role=\"alert\" aria-live=\"polite\" class=\"forminator-response-message forminator-error\" aria-hidden=\"true\"><\/div><\/form>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1693806279439{margin-top: -50px !important;margin-bottom: -20px !important;padding-top: 150px !important;padding-bottom: 100px !important;background-image: url(https:\/\/discountcapital.co.ke\/wp-content\/uploads\/2023\/06\/loan-based.webp?id=7532) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;&#8221;] [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7522,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-7530","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/discountcapital.co.ke\/jsoncall\/wp\/v2\/pages\/7530","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/discountcapital.co.ke\/jsoncall\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/discountcapital.co.ke\/jsoncall\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/discountcapital.co.ke\/jsoncall\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/discountcapital.co.ke\/jsoncall\/wp\/v2\/comments?post=7530"}],"version-history":[{"count":12,"href":"https:\/\/discountcapital.co.ke\/jsoncall\/wp\/v2\/pages\/7530\/revisions"}],"predecessor-version":[{"id":7980,"href":"https:\/\/discountcapital.co.ke\/jsoncall\/wp\/v2\/pages\/7530\/revisions\/7980"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/discountcapital.co.ke\/jsoncall\/wp\/v2\/media\/7522"}],"wp:attachment":[{"href":"https:\/\/discountcapital.co.ke\/jsoncall\/wp\/v2\/media?parent=7530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}