Smartfore Lending gives you quick, simple access to short-term cash and asset-backed loans, with clear fees and people who treat you like family.
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Licensed money lender · Company reg. no. 120241001675
Pick the loan that fits your moment. Both are designed to be quick, clear and respectful.
Short-term cash to bridge you to payday.
Bigger borrowing, secured by something you own.
Slide to choose an amount. See the total you repay before you apply. Final terms are confirmed in your loan agreement.
No maze of paperwork. Just a clear path from request to cash.
Tell us about yourself and the loan you need.
A real person reviews your application and your whole situation, not a credit score (and your asset, for Asset Based loans).
Sign your agreement and receive your funds.
We don’t rely on credit scores. We find a way.
Smartfore Lending is a DBA of Venture Vault Investments Limited, established in 2024. We were founded to provide access to credit to all, using proper manual underwriting. We don’t use traditional credit scoring models. A real person looks at your situation, not just a score.
You are a person first, never just an account number.
Clear fees and plain language, with no surprises.
Your success is part of ours. We grow together.
Honest valuations and straightforward terms.
Quick answers before you apply.
No. We use proper manual underwriting: a real person reviews your application and your circumstances. That means people who are overlooked by traditional credit scoring models can still be considered. Approval is never guaranteed and depends on our assessment and your ability to repay.
A real person reviews your application. For Payday Express we look at your proof of income (a payslip, mobile money statement or bank statement) and your debt-to-income ratio: your total monthly debt payments, including the new loan, must be below 50% of your monthly income. We do not use credit scores. For Asset Based loans we also check that you own the asset and can repay.
Both loans carry a K50 underwriting fee, which is deducted from the loan amount before you receive it (for example, a K1,050 loan pays out K1,000). Payday Express is K500 to K1,050, needs your latest payslip and is repaid on the last day of the month (the last day of next month if you borrow after the 20th). Asset Based loans are K1,050 to K10,000.
A guarantor is someone who agrees to support your Payday Express loan. They give their consent when you apply and receive SMS reminders before and on your due date, so repayment stays a shared responsibility. Their obligations are set out in your loan agreement.
Go to the Pay page and enter your phone number. We send a code by SMS to verify it’s you, then show your name and outstanding balance. You pay the full balance by mobile money to clear your loan.
Asset Based loans are secured against an item of value you own. We will confirm which assets we accept and value it with you before any agreement is signed.
If the loan goes into default (more than 30 days overdue), the asset may be sold 3 days after the default. Items are listed openly on our auction site so the process stays transparent.
The estimator above shows the interest, the fee and the total you repay. Payday Express is 30% flat on the loan amount and Asset Based is 39% flat, for the whole loan period, with a K50 underwriting fee deducted from what you receive. The same figures are in your loan agreement before you accept. You will never be committed until you have reviewed and signed it. Please read it carefully.
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