If you run a business using a Lipa na M-Pesa till, you can access quick credit through Safaricom in partnership with Asante. These M-Pesa business loans are designed to help small businesses stay operational and grow.
This guide explains eligibility, registration, and how to request a loan step by step.
Quick Answer
Dial *234#, go to M-Pesa Business Till → Business Loans, select a partner, request a loan, and confirm with your PIN.
What is M-Pesa Business Loan?
It is a short-term loan offered to merchants using:
- Lipa na M-Pesa Buy Goods till
- Active business transactions
👉 Loan provider: Safaricom + Asante
Loan Limits
- Minimum: KSh 100
- Maximum: KSh 200,000
👉 Your limit depends on your till activity
Who Qualifies? (Eligibility)
You must:
- Have an active Lipa na M-Pesa till
- Use your till regularly (at least 3 months)
- Settle funds to your M-Pesa account
- Use a registered/nominated number
- Have only one active loan per till
How To Register for M-Pesa Business Loans
Steps
- Dial *234#
- Select M-Pesa Business Till
- Enter your store number
- Select Business Loans
- Choose Access loans from partners
- Select a loan partner
- Accept Terms & Conditions
- Enter your ID and PIN
✅ You are now registered
How To Apply for M-Pesa Business Loan
Steps
- Dial *234#
- Select M-Pesa Business Till
- Enter your store number
- Select Business Loans
- Choose loan partner
- Select Request Loan
- Enter loan amount
- Choose repayment period
- Enter ID and PIN
✅ Loan is disbursed instantly to your till
Benefits of M-Pesa Business Loans
- Fast access to credit
- No paperwork
- Helps manage business cash flow
- Supports business growth
- Seamless repayment
Tips to Increase Your Loan Limit
- Use your till frequently
- Maintain consistent transactions
- Repay loans on time
- Avoid defaults
FAQ
How long does approval take?
Instant, once you qualify.
Where is the money sent?
To your M-Pesa business till.
Can I have multiple loans?
No, only one loan per till at a time.
Conclusion
M-Pesa business loans provide a quick and flexible way for Kenyan entrepreneurs to access capital. By maintaining active transactions and repaying on time, you can grow your loan limit and support your business effectively.
