We offer four main products.
Scheme Loans
We partner with employers to provide loans to their employees. The employers deduct the repayments from payroll and make remittances to Skylar Gray Limited. The employer is a collection point and does not bare liability.
Collateral Backed Loans
We offer collateral backed loans and admit motor vehicles as collateral. The customer only provides us a white book, letter of sale and insurance documents. They continue to enjoy the use of the vehicles.
Salary Advances
Our Salary Advance is available to all customers. Because no collateral is required, the first loan is capped to K2,500 for 1 month. The customer can access a higher amount with each subsequent application after payment is received.
Business Loans
We offer the following types of business financing up-to K150,000 on flexible terms. Working Capital Order Financing Invoice Discounting
Our Business Loans
Order Financing
Has your business signed a contract for a large order, such as a government tender, but you don’t have the finance to purchase the supplies or the resources to complete the work? To bridge the gap, Skylar Gray Limited is offering Order financing to expand your business’s cash flow in order to fulfill the sales contract.
Order Financing
Has your business signed a contract for a large order, such as a government tender, but you don’t have the finance to purchase the supplies or the resources to complete the work? To bridge the gap, Skylar Gray Limited is offering Order financing to expand your business’s cash flow in order to fulfill the sales contract.

❝At Skylar Gray Limited, we don’t just provide loans—we empower lives with trust, transparency, and timely support.❞
CEO Sibeene Sindazi

A word from our CEO
Our ambition is to draw a high-performance culture putting our clients’ financial needs first while remaining true to our Cole values and purpose. Through our innovations and digital financing strategies we aim to be the best financial and service providers as our business continues to grow. we commit to creating exceptional service, to us it is vital that we treat every client with the highest dedication and responsibility. Our clients continue to display the confidence in us via strong recommendations and loyalty