Are you an SME Struggling with Cash Flow? Are you wondering where you can get a small business loan to finance everyday business operations? We can help you fix this with our flexible financial solutions.

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One Step Solutions Limited is a fin-tech company that offers financial solutions to small businesses in Kenya and Sub-Saharan Africa.

One Step Solutions’ main objective is to change households. We empower SMEs not only in Kenya but also across Sub-Saharan Africa by offering them financial inclusion so that they can improve their living conditions. All this is in line with poverty eradication.



Our sole focus is on our customers. This means that our customers’ needs always come first, which is


We strive to always respond to our customers’ needs in a timely manner.


We strive to make our services trustworthy and reliable to all our customers.


Diligence in service. The company honestly delivers services that meet our client’s expectations.

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Working capital from Ksh 20, 000

You can borrow as much as Ksh 20, 000 if your limit allows. The more you borrow, the more your worki…

Repayment Period from 12 Hours to 30 Days

Unlike other lending institutions, we offer flexible repayment periods. Depending on your business n…

Customized Credit Criteria

Every business has its own needs which is why we have tailor made solutions that are specific to eve…

Quick and Simple Application Procedure

You don’t need to wait for several weeks to get your loan application approved. You also don’t need


Every business owner deserves access to fair and transparent financial solutions. All our charges ar…

No Collateral Needed

We don’t need your title deeds or any other valuable asset for us to give you instant working capita

One Step Solutions Limited: Instant cash loans in Kenya

Welcome to One Step Solutions Limited! We provide instant cash loans for qualified residents of Kenya. Sign up for an account for a chance to be granted a loan in as fast as 2 days!

Apply as a Micro SME borrower

Micro SME borrowers are business owners who have less than 5 employees and require operational capital under $1000. Traditionally, small and medium enterprises (SMEs) are people with low income, whether they are self-employed or home-based entrepreneurs, who do not have access to other formal financial institutions. 

Most micro-enterprises include small retail shops, street food shacks, artisanal manufacturers and small service providers. In rural areas, the scope of microentrepreneurs goes beyond farming or those who have small income-generating activities such as food processing and trade.

Because of the increased demand to meet the needs of the population, we, as microlenders, are serving those populations to help them get their deserved returns. Apply as a Micro SME borrower today!

Applying is very simple. All you need to do is fill out the Google form that we will send to you and click the submit button. Once we have received your application, we will review it, which can take up to 48 hours, then one of our marketing executives will get in touch with you.

One Step Solutions Limited mobile app

To make the application process faster and easier, One Step Solutions Limited has launched our mobile app with the same features and functionalities as our website. The mobile app supports Android and Apple devices and can be downloaded in Google Play Store and App Store for free.

About One Step Solutions Limited

One Step Solutions Limited’s main objective is to provide short-term loans to SMEs without the hassle and tedious process of applying for a loan from most lending institutions. We believe that small businesses are the bedrock of Kenya’s economy so we are deeply committed to providing the best financial solution to them.

As per the survey done by McKinsey & Company in 2016, up to 200 million businesses do not have access to savings and credits. One Step Solutions Limited provides instant cash loans to small businesses at affordable rates to support them in their journey to gaining financial stability and lost business opportunities.

We believe that digital financing is one of the best ways for financial inclusion to become available for all Kenyan businesses and residents. As per the economists, up to 70% of adult Kenyans transfer money through mobile phones. Take note that as of 2021, there are more than 40 million active mobile phone users in Kenya. If more financial services can be delivered online, up to $3.8 trillion can be added to Kenya’s GDP in just a decade.