Register & activate your business
Add your business and shop on Roy4D, set your enterprise scale — small, medium or large — and keep a phone number or email on file.
Roy4D business credit
Grow your business with up to
Grow your business with up to
KES 300,000 — funded today.
RoyFund is a revolving credit line built for businesses that are already registered and running on Roy4D. Pay one small activation fee, draw what you need, and repay at just 2.5% a year over 12 months. The money lands in your business account — not in a stranger's hands.
No hidden fees · No collateral · Settle any time
2.5%Flat, per year
12 moTo repay
KES 500Activation from
MinutesTo a decision
How RoyFund works
Registered business in. Working capital out.
Three steps, no paperwork queues, no collateral. Everything happens inside the Roy4D business console you already use.
Pick your plan and switch it on
Your scale sets the price and the ceiling. Pay the one-off activation fee from your business account and your credit line opens instantly.
Draw funds into your business account
Slide to the amount you need. The money is credited to your business account immediately and repaid in equal monthly instalments.
Plans & pricing
Your business size sets your limit — nothing else.
One activation fee, charged once from your own business account. No monthly facility fees, no processing fees, no early-settlement penalty.
Small Scale
Solo founders, kiosks, single-outlet shops
KES100,000
Credit limit
- KES 500.00 one-off activation
- 2.5% flat interest per year
- Repay over up to 12 months
- Roughly KES 8,541.67 a month at full draw
- Revolving — redraw after you settle
Medium Scale
Growing teams, multi-staff operations
KES200,000
Credit limit
- KES 1,000.00 one-off activation
- 2.5% flat interest per year
- Repay over up to 12 months
- Roughly KES 17,083.33 a month at full draw
- Revolving — redraw after you settle
Large Scale
Established businesses, multi-branch chains
KES300,000
Credit limit
- KES 1,500.00 one-off activation
- 2.5% flat interest per year
- Repay over up to 12 months
- Roughly KES 25,625.00 a month at full draw
- Revolving — redraw after you settle
Your plan is assigned from the scale on your business profile. If your business grew, update the profile first — RoyFund always prices you accurately.
Repayment calculator
See exactly what you repay before you borrow.
Flat interest, spread evenly. Move the sliders — the numbers below are the same ones the lending engine will use.
Plan
Repayment term
Amount borrowedKES 50,000.00
Total interestKES 1,250.00
Total repayableKES 51,250.00
Fraud-proof by design
Your money cannot walk out the door — that is the point.
Every RoyFund loan lands in your own business account and immediately carries a caveat. It is what lets us charge 2.5% instead of the double-digit rates you are used to.
While the loan is open
Supplier, stock & payroll payments from the business accountAllowed
RoyFund instalments and early settlementAutomated
Withdrawals to personal numbers or external banksBlocked
Transfers of the facility to another businessBlocked
- The ledger enforces it. The caveat is applied inside the payment engine itself, not the screen — no API call, support agent or clever link can move liened funds.
- It lifts itself. The moment the principal is cleared the caveat disappears automatically and the account is fully yours again.
- It protects you too. If a fraudster ever gets into your console, they cannot drain a live facility — RoyFund holds it in place.
- Repayments run themselves. Instalments are collected from the business account on their due dates, so good standing is the default.
Questions, answered
Everything businesses ask about RoyFund.
Who can get a RoyFund business loan?
Any business registered and activated on Roy4D. RoyFund is sized to your enterprise scale: small-scale businesses get a KES 100,000 line, medium-scale 200,000 and large-scale 300,000. Your scale is the one you set on the business profile, so keep it accurate.
How much does it cost to activate RoyFund?
A one-off activation fee of KES 500 for small-scale, 1,000 for medium-scale and 1,500 for large-scale businesses. It is charged once, from your own business account, and it is not a loan repayment.
What interest rate does RoyFund charge?
A flat 2.5% per year on the amount you draw, repayable within the first business year. Borrow KES 100,000 for twelve months and you repay KES 102,500.00 in total — 8,541.67 a month. There are no application, processing or early-settlement fees.
Where is the money paid when I am approved?
Straight into your Roy4D business account. You do not have to move it anywhere: pay suppliers, staff and stock from the account the money already sits in.
Why can I not withdraw the loan money from my business account?
Every RoyFund loan carries a caveat (a lien) on the borrowing business account. While the loan is outstanding, funds can only leave that account as RoyFund repayments. It is the single strongest protection against fraud on both sides: you cannot be tricked into wiring the facility away, and RoyFund can lend at 2.5% because it is never exposed to a vanishing borrower.
How do I repay, and can I finish early?
Equal monthly instalments are collected automatically from the business account on their due dates. You can also repay or settle in full at any time from the RoyFund dashboard — settling early waives the interest on instalments that have not yet fallen due, and the caveat lifts the moment the principal is cleared.
Can I draw again after repaying?
Yes. RoyFund is a revolving line, not a one-shot loan. Once a drawdown is settled the full limit becomes available again, so the same activation fee keeps working for your business year after year.
What happens if I miss an instalment?
You get a 5-day grace period. After that the instalment is marked missed, the loan moves to overdue, and the line is suspended after 3 missed instalments. The caveat stays in place until the balance is cleared, so it pays to keep the business account topped up.
Ready when you are
Your KES 100,000–300,000 line is one activation away.
Sign in with the Roy4D account that manages your business, confirm your plan, and switch RoyFund on. The whole thing takes minutes.