Affordable SME credit · Kenya
Capital that grows with your business.
Pesa Pot lends to the micro and small businesses banks overlook — at fair rates, with repayment terms that follow your cash flow, and the training to make every shilling work harder.
What we do
Working capital loans
From KES 5,000 upwards, priced fairly and repaid on a schedule that follows your cash cycle — not a rigid bank calendar.
Business education
Practical training on record keeping, stock planning and borrowing wisely, delivered in person and online.
No asset grabbing
If a customer payment is late, we restructure. We do not seize the vehicle, the stock or the shop.
80% of Kenya's workforce is informal.
Millions of entrepreneurs are excluded from formal credit. Their alternative is friends, family, or predatory lenders charging excessive interest and seizing collateral at the first missed payment. That is the gap Pesa Pot exists to close.
How we startedWho we lend to
- Kiosk and duka owners managing daily stock cycles
- Suppliers waiting 45–90 days on customer invoices
- Food vendors, tailors, salons and boda operators
- Women and youth-led businesses — 68% of our book
Ready to grow?
Tell us about your business. Applications are reviewed by our team, usually within two working days.