ABOUT US
Alisons Capital is a financial services enterprise established in February 2025 with a clear purpose: to provide fast, reliable, and short-term financial support to individuals facing emergency and unplanned expenses.
We specialize in offering small, short-term loans of up to KES 10,000, designed to bridge urgent financial gaps while maintaining responsible lending practices. Our services are structured to be accessible, transparent, and secure for both the client and the institution.
At Alisons Capital, we operate on a collateral-backed lending model, ensuring accountability and risk management. Loan applicants are required to provide a valid national identity card and acceptable collateral exceeding the value of the loan, with proof of ownership provided through original purchase receipts for movable assets such as electronic devices. Only legally owned assets are accepted.
All borrowers are issued with a loan agreement and terms and conditions document, which must be reviewed and signed prior to loan disbursement. This ensures clarity, mutual understanding, and protection for all parties involved.
Our standard repayment period is up to 14 days, with an additional three-day grace period provided. In cases where repayment is not honored and no special agreement exists, Alisons Capital reserves the right to recover the loan through the sale of collateral in accordance with the agreed terms. Special repayment arrangements may be considered strictly on a case-by-case basis.
We charge a fixed daily interest rate of 3% on the principal amount, except for special loan products such as business loans, where terms are determined through a separate agreement with the client.
Alisons Capital is committed to ethical lending, transparency, and fairness, while ensuring business sustainability and responsible financial support to our clients
OUR VISION
To be a trusted and responsible financial partner, providing timely and accessible short-term financing solutions that empower individuals to manage emergencies and build financial stability.
OUR MISSION
To deliver fast, transparent, and secure short-term loans through ethical, collateral-backed lending practices, while promoting accountability, fairness, and financial responsibility among our clients.
OUR CORE VALUES
1. Integrity
We conduct our business honestly and ethically, ensuring all terms, charges, and processes are clear, lawful, and fully disclosed to our clients.
2. Transparency
We provide clear information on loan requirements, interest, repayment timelines, and consequences of default, with no hidden fees or misleading practices.
3. Responsibility
We promote responsible borrowing and lending by issuing loans that are appropriate, collateral-backed, and aligned with a client’s repayment ability.
4. Accountability
We hold ourselves and our clients accountable to agreed terms, honoring contracts, agreements, and obligations without compromise.
5. Client Respect
We treat every client with dignity and professionalism, handling personal information, collateral, and interactions with care and respect.
We conduct our business honestly and ethically, ensuring all terms, charges, and processes are clear, lawful, and fully disclosed to our clients.
2. Transparency
We provide clear information on loan requirements, interest, repayment timelines, and consequences of default, with no hidden fees or misleading practices.
3. Responsibility
We promote responsible borrowing and lending by issuing loans that are appropriate, collateral-backed, and aligned with a client’s repayment ability.
4. Accountability
We hold ourselves and our clients accountable to agreed terms, honoring contracts, agreements, and obligations without compromise.
5. Client Respect
We treat every client with dignity and professionalism, handling personal information, collateral, and interactions with care and respect.
SERVICES PORTFOLIO
SERVICES PORTFOLIO
1. Emergency Short-Term Personal Loans
Alisons Capital provides small, short-term personal loans of up to KES 10,000 to assist clients in managing urgent and unforeseen expenses.
Loan Amount: Up to KES 10,000
Repayment Period: Up to 14 days
Grace Period: Additional 3 days (subject to terms)
Interest: Fixed daily rate of 3% of the principal
Security: Collateral exceeding loan value
Documentation: National ID and signed loan agreement
2. Collateral-Based Lending
All loans are issued against acceptable collateral to ensure accountability and responsible lending.
Only legally owned assets are accepted
Proof of ownership required (purchase receipt for movable assets such as electronics)
Collateral value must exceed loan amount
Collateral is held securely until full repayment
3. Special Business & Customized Loans
Alisons Capital may offer business or special-purpose loans under customized terms agreed upon with the client.
Loan terms negotiated on a case-by-case basis
Interest rate, repayment period, and conditions vary by agreement
Separate loan agreement issued for each special loan
4. Loan Documentation & Advisory Support
We provide clear documentation and guidance to ensure clients understand their obligations.
Issuance of loan agreements and terms & conditions
Explanation of repayment schedules and obligations
Advisory support on responsible borrowing
5. Loan Recovery & Collateral Management
In cases of non-repayment, Alisons Capital undertakes structured recovery procedures in line with agreed terms.
Grace period honored before recovery actions
Collateral liquidation conducted in accordance with signed agreements
Legal action pursued where contractual obligations are violated
TERMS $ CONDITIONS
These Terms and Conditions govern all loan transactions between Alisons Capital and the borrower. By applying for and accepting a loan, the Client agrees to be bound by the following terms:
1. Eligibility
1.1 The Client must be a Kenyan citizen and provide a valid national identity card.
1.2 The Client must be the legal owner of the collateral presented.
1.3 Proof of ownership, including an original purchase receipt, must be provided for movable assets such as electronic devices.
2. Loan Amount
2.1 Alisons Capital offers short-term loans of up to KES 10,000, subject to approval.
2.2 Loan approval is at the sole discretion of Alisons Capital.
3. Collateral Requirements
3.1 All loans are issued on a collateral-backed basis.
3.2 The value of the collateral must exceed the loan amount.
3.3 Alisons Capital reserves the right to reject any collateral deemed unsuitable or insufficient.
3.4 Collateral shall be securely held until the loan is fully repaid.
4. Interest & Charges
4.1 A fixed daily interest rate of 3% of the principal shall apply to all standard loans.
4.2 Interest accrues daily from the date of loan disbursement until full repayment.
4.3 Special loans, including business loans, shall be governed by separately agreed interest rates and terms.
5. Repayment Period
5.1 The standard repayment period is up to 14 days from the date of disbursement.
5.2 An additional three (3) day grace period may be allowed after the due date.
5.3 Any extension beyond the grace period must be approved in writing under a special agreement.
6. Default & Recovery
6.1 Failure to repay the loan within the agreed period constitutes default.
6.2 Upon default, Alisons Capital reserves the right to sell or dispose of the collateral to recover the outstanding loan amount, interest, and related costs.
6.3 Any surplus from the sale of collateral, after full recovery, shall be handled in accordance with applicable law.
7. Legal Action
7.1 Alisons Capital reserves the right to pursue legal action against any Client who violates these Terms and Conditions or fails to honor the loan agreement.
7.2 The Client shall be liable for any legal or recovery costs incurred.
8. Client Declarations
8.1 The Client confirms that all information provided is true and accurate.
8.2 The Client acknowledges understanding the loan terms, interest, repayment period, and consequences of default.
9. Amendments
9.1 Alisons Capital reserves the right to amend these Terms and Conditions at any time, subject to applicable law.
9.2 Updated terms shall apply to new loans and renewals.
10. Governing Law
10.1 These Terms and Conditions shall be governed and interpreted in accordance with the laws of Kenya.
1. Eligibility
1.1 The Client must be a Kenyan citizen and provide a valid national identity card.
1.2 The Client must be the legal owner of the collateral presented.
1.3 Proof of ownership, including an original purchase receipt, must be provided for movable assets such as electronic devices.
2. Loan Amount
2.1 Alisons Capital offers short-term loans of up to KES 10,000, subject to approval.
2.2 Loan approval is at the sole discretion of Alisons Capital.
3. Collateral Requirements
3.1 All loans are issued on a collateral-backed basis.
3.2 The value of the collateral must exceed the loan amount.
3.3 Alisons Capital reserves the right to reject any collateral deemed unsuitable or insufficient.
3.4 Collateral shall be securely held until the loan is fully repaid.
4. Interest & Charges
4.1 A fixed daily interest rate of 3% of the principal shall apply to all standard loans.
4.2 Interest accrues daily from the date of loan disbursement until full repayment.
4.3 Special loans, including business loans, shall be governed by separately agreed interest rates and terms.
5. Repayment Period
5.1 The standard repayment period is up to 14 days from the date of disbursement.
5.2 An additional three (3) day grace period may be allowed after the due date.
5.3 Any extension beyond the grace period must be approved in writing under a special agreement.
6. Default & Recovery
6.1 Failure to repay the loan within the agreed period constitutes default.
6.2 Upon default, Alisons Capital reserves the right to sell or dispose of the collateral to recover the outstanding loan amount, interest, and related costs.
6.3 Any surplus from the sale of collateral, after full recovery, shall be handled in accordance with applicable law.
7. Legal Action
7.1 Alisons Capital reserves the right to pursue legal action against any Client who violates these Terms and Conditions or fails to honor the loan agreement.
7.2 The Client shall be liable for any legal or recovery costs incurred.
8. Client Declarations
8.1 The Client confirms that all information provided is true and accurate.
8.2 The Client acknowledges understanding the loan terms, interest, repayment period, and consequences of default.
9. Amendments
9.1 Alisons Capital reserves the right to amend these Terms and Conditions at any time, subject to applicable law.
9.2 Updated terms shall apply to new loans and renewals.
10. Governing Law
10.1 These Terms and Conditions shall be governed and interpreted in accordance with the laws of Kenya.
OUR LOCATION
We are located in Bondo Town, Bondo - Usenge Highway, 200Metres from Jaramogi Oginga Odinga University of Science and Technology gate C next to Rubis gas station
PRIVACY $ DATA PROTECTION STATEMENT
Alisons Capital is committed to protecting the privacy and personal data of its clients. This Privacy & Data Protection Statement explains how we collect, use, store, and protect personal information in the course of our operations.
1. Information We Collect
We may collect and process the following personal information:
Full name and national identity number
Contact details including phone number and physical address
Loan application details
Collateral information and proof of ownership
Signed agreements and related documentation
2. Purpose of Data Collection
Personal data is collected solely for:
Loan assessment and approval
Preparation and execution of loan agreements
Loan repayment monitoring and recovery
Legal and regulatory compliance
Internal record-keeping
3. Lawful Use of Information
All personal information collected shall be:
Used fairly and lawfully
Limited to its intended purpose
Relevant and not excessive
Alisons Capital does not sell, trade, or misuse client data.
4. Data Storage & Security
4.1 Client data is stored in both physical and electronic formats where necessary.
4.2 Reasonable security measures are implemented to prevent unauthorized access, loss, alteration, or disclosure of personal information.
4.3 Access to client data is restricted to authorized personnel only.
5. Data Sharing & Disclosure
Client information may only be disclosed:
With the client’s consent
When required by law
To facilitate lawful recovery or legal proceedings in cases of default
No data shall be shared for marketing or unrelated third-party purposes.
6. Data Retention
Personal data shall be retained only for as long as necessary to fulfill the purposes for which it was collected, including legal and regulatory obligations.
7. Client Rights
Clients have the right to:
Be informed of how their data is used
Request access to their personal information
Request correction of inaccurate data
Requests shall be handled in accordance with applicable law.
8. Consent
By applying for and accepting a loan from Alisons Capital, the client consents to the collection, processing, and storage of their personal information as outlined in this Statement.
9. Amendments
Alisons Capital reserves the right to amend this Privacy & Data Protection Statement as necessary. Updated versions shall apply to future transactions.
10. Governing Law
This Statement shall be governed by and interpreted in accordance with the laws of Kenya, including applicable data protection legislation.
alisons capital debt recovery policy
This Debt Recovery Policy outlines the procedures followed by Alisons Capital in the event of loan default. The policy is designed to ensure fair treatment of clients while protecting the Company’s financial interests.
1. Purpose
The purpose of this policy is to:
Ensure timely loan recovery
Provide clear recovery procedures
Promote accountability and compliance with loan agreements
Protect the rights of both the Company and the client
2. Definition of Default
A loan shall be considered in default if:
The borrower fails to repay the loan within the agreed 14-day repayment period, and
The additional three (3) day grace period has elapsed without repayment or an approved special agreement.
3. Pre-Recovery Engagement
Before recovery actions are taken, Alisons Capital may:
Remind the client of outstanding obligations
Allow repayment within the grace period
Consider special arrangements strictly on a case-by-case basis and subject to written approval
4. Collateral Recovery
4.1 Upon default, Alisons Capital reserves the right to recover the loan through the sale or disposal of pledged collateral.
4.2 Recovery shall cover:
Outstanding principal
Accrued interest
Reasonable recovery-related costs
4.3 The borrower waives any objection to the lawful sale of collateral as agreed in the loan agreement.
5. Handling of Sale Proceeds
5.1 Proceeds from the sale of collateral shall first be applied to recover all outstanding amounts.
5.2 Any surplus, where applicable, shall be handled in accordance with relevant laws.
6. Legal Action
6.1 Alisons Capital reserves the right to initiate legal proceedings against borrowers who:
Breach loan agreements
Provide false information
Attempt to unlawfully reclaim collateral
Engage in fraudulent or obstructive conduct
6.2 The borrower shall be liable for all legal and recovery costs incurred.
7. Ethical Recovery Practices
Alisons Capital is committed to:
Conducting recovery actions professionally and respectfully
Avoiding harassment, intimidation, or unlawful practices
Acting in compliance with applicable laws and regulations
8. Documentation & Record Keeping
All recovery actions shall be properly documented, including:
Client communication records
Collateral valuation and sale records
Legal proceedings where applicable
9. Policy Review
This policy shall be reviewed periodically and updated as necessary to reflect operational or legal changes.
10. Governing Law
This Debt Recovery Policy shall be governed by and interpreted in accordance with the laws of Kenya.
1. Purpose
The purpose of this policy is to:
Ensure timely loan recovery
Provide clear recovery procedures
Promote accountability and compliance with loan agreements
Protect the rights of both the Company and the client
2. Definition of Default
A loan shall be considered in default if:
The borrower fails to repay the loan within the agreed 14-day repayment period, and
The additional three (3) day grace period has elapsed without repayment or an approved special agreement.
3. Pre-Recovery Engagement
Before recovery actions are taken, Alisons Capital may:
Remind the client of outstanding obligations
Allow repayment within the grace period
Consider special arrangements strictly on a case-by-case basis and subject to written approval
4. Collateral Recovery
4.1 Upon default, Alisons Capital reserves the right to recover the loan through the sale or disposal of pledged collateral.
4.2 Recovery shall cover:
Outstanding principal
Accrued interest
Reasonable recovery-related costs
4.3 The borrower waives any objection to the lawful sale of collateral as agreed in the loan agreement.
5. Handling of Sale Proceeds
5.1 Proceeds from the sale of collateral shall first be applied to recover all outstanding amounts.
5.2 Any surplus, where applicable, shall be handled in accordance with relevant laws.
6. Legal Action
6.1 Alisons Capital reserves the right to initiate legal proceedings against borrowers who:
Breach loan agreements
Provide false information
Attempt to unlawfully reclaim collateral
Engage in fraudulent or obstructive conduct
6.2 The borrower shall be liable for all legal and recovery costs incurred.
7. Ethical Recovery Practices
Alisons Capital is committed to:
Conducting recovery actions professionally and respectfully
Avoiding harassment, intimidation, or unlawful practices
Acting in compliance with applicable laws and regulations
8. Documentation & Record Keeping
All recovery actions shall be properly documented, including:
Client communication records
Collateral valuation and sale records
Legal proceedings where applicable
9. Policy Review
This policy shall be reviewed periodically and updated as necessary to reflect operational or legal changes.
10. Governing Law
This Debt Recovery Policy shall be governed by and interpreted in accordance with the laws of Kenya.
Collateral Responsibility Disclaimer:
The Borrower acknowledges that while the Lender will take reasonable care of any collateral held, the Lender shall not be held responsible for any damage, malfunction, depreciation, or loss of the collateral that may occur due to reasons beyond the Lender’s control, including but not limited to device malfunctions, environmental factors, or other unforeseen circumstances. The Borrower assumes full risk for the wellbeing of their collateral during the period it is in the custody of the Lender.
LIVE CHAT
From start to finish, they were extremely professional, friendly, helpful, and easy to work with. Very satisfied with the experience and the service.
Dedicated professionals, exceptional service, and a supportive team! I highly recommend them!
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