Corporate Office: +254 717 780 171info@avlcapital.com
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Our Patented Products

Our Patented Products

AVLC’s product lines are designed to deliver integrated financial solutions that combine finance, insurance protection, emergency liquidity support, and structured solutions to address real-world financial needs. These patented and proprietary products are built to serve individuals, SMEs, and corporate clients across the region, enabling access to capital while supporting resilience, business growth, and financial stability.

ASSET RECOVERY

One of our key services is the facilitation of asset recovery and reunification, where AVLC acts as a trusted intermediary between asset-holding institutions and clients to ensure the return of unclaimed assets to their rightful owners.

AVLC will be responsible for:

  • Handling all paperwork on behalf of the client and obtaining all necessary approvals to facilitate the recovery of assets.
  • Engaging with the clients and asset holders/financial institutions to obtain verification documents.
  • Engaging with UFAA (Unclaimed Financial Assets Authority) on behalf of the client to fast track the approval as well as the recovery process.
AVLC Asset Recovery Application Form (PDF)

Structure And Process Flow

  • Agreement Execution and Application: AVLC provides the client application form with NCNDA, then both parties execute a contract after required submission.
  • Verification of Ownership: AVLC verifies ownership and submits KYC and verification documentation with holders.
  • Documents Submission to UFAA: AVLC and legal team proceed with formal application and supporting documentation.
  • Review and Approval: UFAA reviews for completeness/accuracy and transfers asset once requirements are met.

Estimated turn-around time from document verification to asset recovery is 30 days for direct applicants and 90 days for other applicants.

Asset Transfer Options

Option 1: The asset is transferred directly to the client account or nominated account upon approval.

Option 2: The asset is transferred to AVLC for onward transfer to the client through escrow and paymaster arrangements.

For further inquiries: AVLC Global Consultants Limited, P.O Box 35502-00100, Nairobi, Kenya. Email: assetsrecovery@avlcapital.com. Tel: +254 20 230 4180, Mobile: +254 717 780 171.

Claiming Instruction Forms

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CHILD GUARD

Every responsible parent would wish to be able to fend for their child every minute of day and night. Every parent knows that this can only remain as a wish. It is not realistic. Every parent accepts that significant others must step into the parental role. The teacher is one; the maid is another; the neighbour is yet another; and then there is Child Guard.

ChildGuard is a partnership between E-plus Emergency Medical services (Red Cross) and Flying Doctors Society of Africa powered by BKY Insurance Agency Limited to ensure that in the misfortunate event of an emergency, your child gets life saving medical assistance in time.

Request Child Guard Form (PDF)

LIFESTYLE LADY

Lifestyle Lady Insurance policy targeted to the modern lady that covers beyond basics. It covers not only the ladies car in case of an accident but also valuables like cell phones, handbags to shoes. The lady also enjoys subsidized prices in various outlets like Spas, Shopping Malls and Hair Saloons.

The service is not network dependent and physical registration is done once (in keeping with Know Your Customer requirements), after which all transactions thereafter are mobile phone based.

Request Lifestyle Lady Form (PDF)

PESA NA PESA

Pesa na Pesa™ (PNP) is an innovative mobile phone based digital lending product developed by AVL Capital ltd which offers utility loans to anyone who needs short term funds to pay for their utility bills.

The platform combines a USSD access layer, CRB-based credit scoring, MPESA payments, utility-provider integrations, automated repayment tracking, and SMS notifications into one simple financing workflow.

Customer Registration Process

  • Dial `*519*25#` and follow the registration prompts.
  • Enter your National ID number and full names exactly as they appear on the ID.
  • Consent to CreditInfo CRB assessment for utility-limit allocation.
  • Accept the terms and conditions at `https://bit.ly/4tc1mJN`.
  • Pay the registration fee of KES 100 through MPESA.
  • The system runs a CRB check and assigns a utility limit based on the rating, typically KES 200, 300, or 500.
  • A confirmation SMS is sent whether registration is approved or unsuccessful.

Utility Limit Usage Flow

  • Dial `*519*25#` and select the borrowing option.
  • Choose the service provider, including KPLC, Nairobi Water, DSTV, GOTV, ZUKU, or STARTIMES.
  • Enter the correct utility account number.
  • The approved amount is deducted from the utility limit and credited directly to the selected provider.
  • The customer receives an SMS confirming the utility payment transaction.

Repayment And Notifications

Repayment is made through Paybill `990390`, using the customer phone number as the account number. Loan notices communicate the principal amount, interest, total due, and repayment deadline.

  • Registration outcome and approved limit notifications
  • Utility usage and provider-credit confirmations
  • Loan details with repayment instructions
  • Two-week reminder and due-date reminder messages
  • Payment-success confirmation with limit restoration notice
  • Overdue alerts and penalty notifications where applicable

Compliance And Risk Controls

  • Explicit customer consent is required before CRB checks are performed.
  • Cost disclosures are surfaced clearly as part of onboarding and borrowing flows.
  • Penalty calculations are automated to support consistency and transparency.
  • Utility limits are only restored after full repayment has been completed.
  • Credit scoring is handled through CreditInfo CRB integration.
Download Pesa na Pesa Terms & Conditions (PDF)

BIMA HIMA

BIMA HIMA is a platform that eases the burden of paying your insurance premiums. With this facility, paying for large insurance premiums is easy, simple and affordable through monthly installments.

  • Flexible financing terms of up to 4 months.
  • Quick processing time with competitive interest rates.
Download BIMA HIMA Terms & Conditions (PDF)

LANDBANK SOLUTION

AVLC Group LandBank solution facilitates borrowers in obtaining security in the form of land from third-party landowners. AVLC connects parties, structures agreements, and secures the interests of both sides.

Turn-around time is 14 days, subject to submission of KYC, NCNDA, financials, offer letters, formal application, and agreed fees.

Request LandBank Form (PDF)