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Intelligent GPS Tracking & Asset Recovery for Auto Lenders

The trusted risk management partner for Kenya's leading banks, SACCOs, and micro-financiers.

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The High Cost of Unsecured Auto Loans

High Risk of Default

Without reliable tracking, the temptation for borrowers to default is significantly higher, putting your loan book at risk.

Difficult Asset Recovery

Locating and repossessing a vehicle from a defaulting client can be a costly, time-consuming, and often futile endeavor.

Unreliable Tracking Data & Services

Many providers offer subpar platforms and services that fail when you need them most, leaving you and your auctioneers blind and powerless to act.

Your Reliable Risk Management Partner

Speedy 24-48 Hour Installation

Our expert technicians install tracking devices quickly and discreetly, anywhere in the country, to get your assets secured faster.

Proactive Device Health Monitoring

We don't just install and forget. Our systems constantly monitor device status, ensuring they are online and reporting accurately.

Dedicated Repossession Support

In the event of a default, our team provides the critical location data and support your recovery agents need to act fast.

Flexible, Growth-Oriented Pricing

Volume-tiered rates, loan tenure discounts, and recovery success credits that reward your growth and reduce your per-unit costs over time. See how our pricing works ↓

A risk management dashboard showing vehicle statuses, locations on a map, and device health alerts.

Collateral Asset Risk Management & Recovery, Evolved

Your Virtual Recovery Unit

When a borrower defaults, the tracker is just the starting point. Our team becomes your extended recovery arm, translating GPS data into actionable intelligence that auctioneers can actually use in the field.

Tactical Auctioneer Support

Auctioneers are not technology experts. Once a proclamation is issued, we deliver real-time guidance: GPS coordinates, Street View context, gate and building layout identification, and optimal approach routes, minimising confrontation and wasted field trips.

Behavioural & Historical Analytics

We analyse movement patterns (frequent stops, night parking locations, known "safe houses") to locate vehicles even when devices have been tampered with or disabled. Dual-device redundancy ensures persistent visibility even in deliberate interference scenarios.

The Human API

We bridge your credit/recovery team and your field auctioneers. We handle the technical forensics, follow up with actionable intelligence, and keep field teams moving so your team can focus on legal and administrative priorities.

13,000+ Assets Tracked
600+ Successful Recoveries
99.5% Recovery Rate

Why Bituls?

Built for the Kenyan lending market. Proven over 12+ years of real recoveries.

Flexible Pricing in KES, No FX Exposure

Our pricing is flexible and transparent, with no hidden fees or surprise costs. We bill you monthly in Kenyan Shillings, so you can budget confidently without worrying about currency fluctuations.

No upfront hardware investment

We fund, install, and replace all devices. Your capital stays in your loan book.

Nairobi to Mombasa to Malaba

Vetted technicians across all major lending hubs, urban and upcountry.

We don't just track. We recover.

Tactical field guidance, behavioral analytics, recovery reporting, follow up and direct auctioneer support on every case.

CA-approved. ODPC-aligned.

Our hardware is Type-Approved; we act as your ODPC Data Processor, shielding you from compliance exposure.

12+ years in the Kenyan lending market

Our practices are built from real on-ground defaults, real recoveries in Kenya, and real courtroom experience, not copy and paste or imported playbooks.

Flexible, Growth-Oriented Pricing

We believe in pricing that adapts to your business needs. Our flexible structures are designed to reward your growth, maximise your ROI, and ensure transparent, long-term value.

Volume-Tiered Rates

As your portfolio grows, your per-unit costs scale down. We offer tiered pricing structures tailored to match the size of your active device fleet, ensuring you get better value as you scale your operations.

Loan Tenure Discounts

We value long-term partnerships. For extended loan tenures, we automatically adjust your monthly rates as we recover our initial costs, providing a more cost-effective solution for your long-term financing products.

Recovery Success Credits

Efficiency is a partnership. We provide direct billing credits for every device successfully recovered in working condition after a loan is closed, incentivising streamlined recovery processes and helping you minimise operational overhead.

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Why not just use a Generic/ International Reseller platform?

Generic / Reseller platforms look competitive on a price sheet. Here's what the sheet doesn't show.

Feature Bituls Managed Partnership Generic Reseller / In-House
Pricing currency Fixed KES, no forex risk USD/GBP, rises with shilling weakness
Hardware cost Zero (Bituls funds and replaces) CAPEX upfront; replacements at your cost
Regulatory risk CA Type-Approval held by Bituls; ODPC-aligned as your Data Processor Client bears direct licensing and compliance exposure
Litigation position Independent third-party logs carry higher evidentiary weight Self-generated data is easily challenged in court
Field support Nationwide (travel, per diems, coordination included) Direct cost: staff travel, fuel, WIBA
Local infrastructure Owned and managed in Kenya; issues fixed in minutes Foreign support tickets; middleman delays

A Simple, Powerful Process

1

Install Device

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2

Monitor on Platform

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3

Recover on Default

Frequently Asked Questions

How quickly can you install devices on our vehicles?
Target is within 24 hours in Nairobi and major towns. Upcountry deployments are coordinated in batches against your active loan disbursements. All installations follow security-first protocols optimised for the MFI lending environment. See our installation process ↑
What happens if a device is tampered with or removed?
We run a dual-device setup on every financed vehicle: a primary tracker and a covert backup unit, each on independent SIMs. If one is found and removed, the second maintains visibility. Tamper alerts are sent to your team and ours in real time. Our historical analytics can reconstruct movement even after interference. Learn about our Virtual Recovery Unit ↑
How do you handle data security and privacy (ODPC)?
Bituls acts as your ODPC-registered Data Processor. Your borrower data is controlled by you; we process it on your behalf under a formal data processing agreement. CA Type-Approved hardware ensures the devices themselves meet regulatory standards. We support your compliance audits on reasonable notice. See our compliance credentials ↑
What uptime can we expect on the platform?
Our platform targets 99.9% availability. We run proactive device health checks (automated and physical) 24/7, and dispatch field teams for device swaps before failures affect your visibility. See our platform features ↑
Do you support repossessions directly?
We coordinate recovery; we do not physically repossess. Once a proclamation is issued, we provide your auctioneer with live GPS guidance, historical movement analysis, and field coordination support. Physical repossession remains with your appointed auctioneer; we make sure they arrive at the right place with the right information. See how recovery works ↑
How does this protect us in court if a borrower disputes a repossession?
Our GPS logs are third-party records, independent of your internal systems. Courts give significantly more weight to third-party evidence than to a lender's internally generated data. Our team can provide technical testimony and certified log exports when needed. See how we compare ↑
Can you integrate with our loan management system?
Our platform exposes data via API and supports scheduled reporting exports. If you use ERPNext for loan management, Bituls can surface GPS collateral status directly alongside your loan records, giving your team a single dashboard for both. Learn about our ERPNext integration ↑
What if we pay off a loan and want the device removed?
Device removal is a standard service request. We schedule a technician, recover the hardware, and close the asset on the platform. There is no penalty for device removal; it is part of the managed service.
What are your contract terms?
Our standard agreement is 24 months, automatically renewed unless cancelled before expiry. Pricing is per active vehicle per month, invoiced monthly in KES and payable within 10 days. There are no upfront hardware fees. Contact us for contract details and customized terms. See our pricing structure ↑
What's not included?
Physical repossession (handled by your appointed auctioneer), extraordinary third-party fees, and non-standard services outside the managed scope. These are always agreed in advance.

Running ERPNext?

Bituls integrates GPS tracking data directly into your loan portfolio: track collateral status alongside borrower records in a single dashboard. Learn about our ERPNext integration →

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