Cargo Finance

Fuel Your Business Growth with Cargo Finance

Don’t let limited working capital hold back your business.

Get KSh 100,000 to KSh 700,000 to finance up to 50% of your shipment value and keep your business moving.

Don’t let limited working capital hold back your business.

Get KSh 100,000 to KSh 700,000 to finance up to 50% of your shipment value and keep your business moving.

  • Fast Application Process.

  • Built for Importers & Traders

Access up to KSh 700,000

Our Cargo Finance is designed for:

Built for Businesses That Keep Goods Moving

Built for Businesses That Keep Goods Moving

  • Fast-Moving Consumer Durables (FMCD) Importers

  • Electronics Importers

  • Spare Parts Importers

  • Wholesalers & Retailers

  • Manufacturers

Why choose Ngao

  • Restock with confidence and keep up with customer demand.

  • Turn incoming shipments into new revenue opportunities.

  • Low rates of only 5.5%

How it Works

  • Get Assessed – We review your application.

  • Get Financed – Access up to 50% of your shipment value.

  • Sell & Repay – Move your stock and repay within the

    60-days.

Why choose Ngao

  • Restock with confidence and keep up with customer demand.

  • Turn incoming shipments into new revenue opportunities.

  • Low rates of only 5.5%

Why choose Ngao

  • Restock with confidence and keep up with customer demand.

  • Turn incoming shipments into new revenue opportunities.

  • Low rates of only 5.5%

How it Works

  • Get Assessed – We review your application.

  • Get Financed – Access up to 50% of your shipment value.

  • Sell & Repay – Move your stock and repay within the 60-days.

Flexible 60-day repayment period

Request a callback

Your Next Shipment Shouldn’t Have to Wait.

Keep your stock moving, your customers buying and your business growing with Ngao Cargo Finance.

KSh 100,000 – KSh 700,000

Up to 50% of Shipment Value

60-Day Repayment

Testimonials

I had an excellent experience with Ngao Credit. Their customer service was top-notch, and the loan application process was straightforward and quick.

John Githaiga

Ngao Credit provided me with the financial support I needed during a difficult time.

Lilian Njoroge

Ngao Credit is a reliable financial partner. The application process was user-friendly, and the approval was quicker than I expected.

Edwin Odhiambo

Ngao Credit
Need help?

WORKING HOURS: Mon-Fri: 8am-5pm

Sat: 8am-12pm

USSD: *725#

Call: +254 709 650 000

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Copyright 2026. All Right are Reserved. Ngao Credit Limited

Need help?

WORKING HOURS: Mon-Fri: 8am-5pm

Sat: 8am-12pm

USSD: *725#

Call: +254 709 650 000

WhatsApp: +254728290551

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Follow us on:

Copyright 2026. All rights are Reserved. Ngao Credit Limited