Fund verified borrowers from
your wallet
Set your rates, sign a digital contract, and disburse through M-Pesa.
- Only KYC-approved borrowers can request a loan.
- You set advertised rates, term, and max principal.
- Funding and repayments stay in the platform wallet.
- DISBURSED
- KES 0
- ON-TIME REPAYMENT
- -
- ACTIVE LENDERS
- 0
- TYPICAL RATES
- -
Process
How lending works
- 01
Verify your identity
Complete lender KYC and financial verification before you appear in the marketplace.
- 02
Set your rates
Publish your interest range, term, and max principal so borrowers can compare you.
- 03
Fund from your wallet
Offer, sign the contract, and disburse from your PesaPact wallet via M-Pesa.
Safeguards
Built for trusted funding
Wallet-only settlement
Disbursements and repayments move through the platform wallet. No off-platform cash.
Signed digital contracts
Both parties review and sign a standard contract before any funds move.
Verified counterparties
Borrowers complete ID KYC before they can browse lenders or request a loan.
For lenders
Plans that scale with your portfolio
Transaction fees
Small, predictable per-transaction costs
Cover M-Pesa processing and platform operations. No hidden charges.
M-Pesa disbursement
Charged once per funded loan
KES 100Charged once per funded loan
M-Pesa repayment
Per successful repayment
KES 50Per successful repayment
Late reminder
After grace period lapses
KES 30After grace period lapses
Dispute resolution
Split between parties, only if escalated
KES 500Split between parties, only if escalated
Ready to fund verified borrowers?
Create a lender account and complete KYC in a few minutes.