The working capital loan market being a part of the finance industry offers short-term funding solutions for appropriate working capital to support daily operations. These types of loans are often used to pay urgent costs, including employees’ wages, stocks, and other pertinent operating costs, to avoid interruptions in organizational operations due to lack of cash. There are changes in the increased demand for working capital loans in Kenya primarily fueled by SMEs that struggle to access credits or failed to manage their cash flows.Over the years, the market has lately gone through a significant upgrade through the influence of financial technology more commonly referred to as Fintech. New lending solutions that have been pioneered by Fintech companies have come with better and easier procedures of approving loans as compared to what is available in the conventional banks.