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SME Working Capital

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SME Working Capital

Short-term financing to keep your small business moving — stock, bills, payroll.

Overview

SME Working Capital is designed for established small and medium businesses that need short-term liquidity to cover inventory, supplier payments, payroll, or seasonal spikes. We look at your business cash-flow, not just your personal salary.

Borrow against your M-Pesa Till, Paybill, or bank statements. Approvals are based on real business performance — not credit scores alone.

Key Benefits

01 Fast stock-up financing

Disbursed in 24–48 hours so you don't miss supplier windows.

02 Cash-flow based approval

We score you on actual business revenue, not just credit history.

03 M-Pesa Till & Paybill accepted

We accept daily transaction statements as proof of earnings.

04 Roll-over facility

Extend and re-borrow easily once you repay on time.

Requirements to Apply

  • Business registration certificate (sole-prop / LLC / partnership)
  • M-Pesa Till / Paybill / bank statements (6 months)
  • National ID and KRA PIN of director/owner
  • Business must have been running for at least 12 months

Frequently Asked Questions

  • 1. How long does approval take?
    Most applications are reviewed within 24 hours. Approved loans are typically disbursed the same day once all documents are verified.
  • 2. What documents do I need?
    You'll need your National ID, KRA PIN, and supporting documents specific to this loan product (e.g. logbook, employer details, or recent pay-slips). See the Requirements section above.
  • 3. How is the interest rate calculated?
    From 2.5% per month; depends on business profile
  • 4. Can I repay early?
    Yes. You may clear your loan before the agreed term. Early-repayment discounts may apply — talk to your loan officer for details.
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