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Credit History vs. Future Potential in Asset Finance

Credit History vs. Future Potential in Asset Finance

Credit Risk Manager
April 23, 2026
HomeBlogCredit History vs. Future Potential in Asset Finance

A Different Kind of Lending

At Together As One, we understand that life happens. A missed payment 3 years ago shouldn't prevent you from buying a car for your business today. We take a holistic view of our clients' financial health.

What We Look At:

  • Current Income Stability: Verified through 6 months of Bank or M-Pesa statements.
  • Asset Value: The Market Value of the car you are buying or using as security.
  • Professional Valuation: A certified report on the mechanical health of the asset.

Why "No CRB Checks" Matters

By bypassing traditional CRB scoring for approval, we open doors for thousands of hardworking Kenyans who have the income to support a loan but have been unfairly flagged by a rigid banking system. We invest in your Stability and your future, not your history.

    For Loan Inquiry, Chat With Us