<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- ==================== MAIN PAGES ==================== -->

  <!-- Home Page -->
  <url>
    <loc>https://www.jackfruitfinance.com/home</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Loans listing page -->
  <url>
    <loc>https://www.jackfruitfinance.com/loans</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Apply Loan — primary conversion page -->
  <url>
    <loc>https://www.jackfruitfinance.com/apply-loan</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Partnership -->
  <url>
    <loc>https://www.jackfruitfinance.com/partnership</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Teacher Training / Classroom Plans -->
  <url>
    <loc>https://www.jackfruitfinance.com/classroom-plans</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- About Us -->
  <url>
    <loc>https://www.jackfruitfinance.com/about-us</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- FAQ -->
  <url>
    <loc>https://www.jackfruitfinance.com/faq</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Careers -->
  <url>
    <loc>https://www.jackfruitfinance.com/careers</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Contact Us -->
  <url>
    <loc>https://www.jackfruitfinance.com/contact-us</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Social Landing -->
  <url>
    <loc>https://www.jackfruitfinance.com/social-landing</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- ==================== LOAN PRODUCT PAGES ==================== -->

  <!-- Project & Asset Loan — up to 9M KES, best for school expansion -->
  <url>
    <loc>https://www.jackfruitfinance.com/loans/project-asset</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Working Capital Loans — 150K-500K KES, best for salaries & operations -->
  <url>
    <loc>https://www.jackfruitfinance.com/loans/working-capital</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Flexi Vehicle Loan — 350K-2.5M KES, best for school transport -->
  <url>
    <loc>https://www.jackfruitfinance.com/loans/flexi-vehicle</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Asset Financing (Zero Deposit) — up to 9M KES, for equipment & furniture -->
  <url>
    <loc>https://www.jackfruitfinance.com/loans/asset-financing</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- School Fees Loan — 200K-9M KES, best for parents -->
  <url>
    <loc>https://www.jackfruitfinance.com/loans/school-fees</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- SME Loans — 1M-9M KES, for school-connected businesses -->
  <url>
    <loc>https://www.jackfruitfinance.com/loans/sme-loans</loc>
    <lastmod>2026-02-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

</urlset>
