LicensedYes, Fluid Capital Limited is on the CBK’s list, licensed on 10 April 2026.
The CBK licenses companies, not apps. Before you borrow, check that the app names Fluid Capital Limited as its lender or developer (in its terms, or under “developer” on the app store page).
From the CBK’s directory
Licence and contacts
As the Central Bank publishes them.
- Licensed
- 10 April 2026
- Phone
- +254711466446
- info@fluidcapital.ke
- Email domain
- fluidcapital.ke
- Office
- The 680 Building
- Postal address
- P.O. Box 2891-00600, Nairobi
The email domain often matches the app’s or company’s website; an app using a different name may still be this lender, so check the developer.
From borrowers
What borrowing from Fluid Capital Limited costs
Cost per KES 1,000 for 30 days, every fee included, from borrowers’ anonymous reports.
No reports yet: a figure appears once five borrowers have reported Fluid Capital Limited. Borrowed from it? Add what it cost you, anonymously.
For comparison, a bank or SACCO loan at 15% a year costs about KES 12 per KES 1,000 for 30 days. Borrowers’ reports are checked only for range and not verified with the lender. Fluid Capital Limited can ask us to look again at any figure, or send a response to publish beside it, at desk@afronomicsfeed.com.
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Source: Central Bank of Kenya, Directory of Digital Credit Providers, updated 29 September 2026; read 12 October 2026. Information, not advice.
Quick answers
Questions people ask
- Is Fluid Capital Limited licensed by the Central Bank of Kenya?
- Yes. Fluid Capital Limited is on the CBK's Directory of Digital Credit Providers updated 29 September 2026, licensed on 10 April 2026. The licence is for the company: check that the loan app you use names Fluid Capital Limited as its developer or lender.
- How do I contact Fluid Capital Limited?
- The CBK's directory lists phone +254711466446, email info@fluidcapital.ke, office at The 680 Building.
- What can I do if Fluid Capital Limited contacts my friends or family?
- Complain to the lender in writing first and keep the messages. If it is not resolved, complain to the Central Bank of Kenya, which supervises licensed digital lenders. Use of your contacts' details without consent can also be reported to the Office of the Data Protection Commissioner.