Cover, savings and credit that reach where banks don't.
ASTRA Capital Ltd uses technology to distribute pensions, insurance and loans to individuals and groups — whether you're on a company payroll or you run your own stall, taxi or trade.
Three products. One point of entry.
ASTRA Capital doesn't manufacture financial products — we distribute the right ones to the right people, matching you or your group to a plan that fits how you actually earn and live.
Insurance
Protection for what you can't afford to lose — your health, your vehicle, your family's income.
Pensions
A retirement plan built for you even if you've never had a payslip or an employer pension scheme.
Loans
Credit that matches how money moves through your business or household — not a rigid bank product.
Two economies. One distribution network.
Most financial products are built for people with a payslip. We built a network that reaches the other side of the economy too — without leaving the first side behind.
Formal sector
- Salaried staff enrolled through their employer
- Registered businesses covering a full workforce
- Payroll-linked pension and group life schemes
- HR teams managing cover for entire departments
Informal sector
- Traders, drivers and artisans enrolling as individuals
- Market associations and cooperatives enrolling as a group
- Flexible contributions that follow irregular income
- No payroll department required to get started
How it works
Three steps, in the order they actually happen.
Tell us what you need
Answer a few short questions about your product, your sector and your situation — as an individual or on behalf of a group.
We match you to a plan
Our advisors line up your answers against the right pension, insurance or loan partner and confirm what you qualify for.
You enrol and stay covered
Sign up, pay how you earn — daily, weekly or monthly — and reach us by phone or email whenever you need to.
Find out what you qualify for
Answer four short questions. It takes about a minute, and there's no obligation.