Products

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Salary Advance

This product seeks to address the emergency financial needs for employees in between the payroll dates.

Employees can access up to 40% of their net salary.

Product is offered on our mobile lending application Hela Pesa.

Salary advances are available to employees who work for organizations that have signed an MOU for the salary advance check-off system with Hela Captal Limited.

Peer to Peer Lending

Hela Capital P2P is a virtual financial marketplace where investors connect with borrowers through an online platform making it possible for investors to lend money to borrowers online. Peer-to-peer (P2P) lending is a method of debt financing that enables individuals to borrow and lend money without the use of an official financial institution as an intermediary.

p2p

Peer to Peer Investing

Hela Capital P2P is a virtual financial marketplace where investors connect with borrowers through an online platform making it possible for investors to lend money to borrowers online.

  • Provides a credible and secure match-making P2P platform.
  • Acts as the intermediary between individual borrowers and investors.
  • Undertakes due diligence and credit checking of the borrowers before availing them on the platform for investing.
  • Sets interest rates on the basis of an analysis of the borrower’s credit.
  • Custody of critical investors and borrowers information.

  • Earn alternative income when borrowers repay their loans.
  • Earn higher returns compared to savings and investment products offered by other financial institutions.
  • Build own customer portfolio through careful analysis of borrower credit information availed by Hela Capital on the platform.
  • Mitigate risk of bad debt by choosing which borrowers to invest in, and also by diversifying investments among different borrowers  availed on the platform by Hela Capital

  1. Complete online registration process on www.helapesa.co.ke
  2. Hela will vet and activate your account.
  3. Log-in to the P2P investing platform.
  4. Review the available list of borrowers on the platform sent to you by Hela.
  5. If a self-directed investor, review borrowers credit information and make investment decisions. Then they  wire the  loan money  directly to the borrowers’ account
  6. If investment is under Hela managed account, the investor agrees on investing limits and criteria with Hela expert. He then avails cash for investing in Hela. Hela disburses the same to a borrower and then continuously review loan portfolio on the online platform.

  • Hela is the intermediary that follows up on the Borrowers to ensure that they pay you.
  • After payment is completed by the Borrower, Hela wires you your principle and the agreed interest.
  • You are also able to track the loan repayments, Borrowers statements and your statement on our online platform.

Interested in investing with us?  Get in touch with us