Inventory Financing · Up to KSh 500,000
Capital without
collateral.
Funded in 24 hours.
Mwezi's AI reads your M-PESA history, bank statements, and inventory data to generate a tailored loan offer — no branch visit, no paperwork, no guarantors.
0%
Upfront fees
<24h
Disbursement
17%
Annual rate
Loan Application
Inventory Finance · April 2026
Amount
KES 250,000
Annual Rate
17%
Approval timeline
Application submitted
AI reads 200+ signals
Loan offer generated
Disbursed to account
17h 23mData signals
Monthly payment
KES 12,400
Credit score used
88 / 100
Why it works
Built differently
from day one.
Zero collateral
Your business data is your collateral. No land title, no logbook, no guarantors.
Revenue-synced repayments
Good week? Pay more. Slow week? Pay the minimum. Repayments flex with your cash flow.
Supplier discounts
Access verified pricing from 500+ Nairobi suppliers. We pay them directly — you save 8–15%.
Every loan builds your score
On-time repayments upgrade your credit rating, automatically unlocking larger limits.
Loan limits
Your score unlocks
your limit.
Start at any tier. Every repayment and transaction improves your score — and your limit grows automatically.
0–49
Starter
New business or limited transaction history
- Business account access
- Score-building tips
50–69
Growing
3–6 months of consistent M-PESA inflows
- Loans up to KSh 50,000
- 30–60 day terms
- 17% annual rate
70–84
Established
6–12 months, strong revenue, linked bank
- Loans up to KSh 200,000
- 30–90 day terms
- Priority disbursement
85–100
High Growth
12+ months, excellent M-PESA and bank history
- Loans up to KSh 500,000
- 30–120 day terms
- Early repayment discounts
- Supplier direct payment
Common questions
How does Mwezi calculate my Business Health Score?
Our AI analyses four core signals: M-PESA cash flow (inflow consistency and velocity), bank turnover (deposits, patterns, reversals), inventory value (stock-to-revenue ratio), and payment history. Each signal is weighted and combined into a score of 0–100.
Do I need collateral or a guarantor?
No. Your M-PESA statement, bank statement and inventory records replace land titles and guarantors entirely. If your business has traction, you can qualify.
What is the interest rate and are there hidden fees?
17% annual rate on the outstanding balance — no compounding. Zero processing fees for first-time borrowers and zero hidden charges.
How quickly will I receive the funds?
Once approved (typically within minutes), funds are disbursed to your supplier or M-PESA within 24 hours. Most businesses are funded the same day they apply.
What if my business has slow months?
Repayments are revenue-synced — you pay a percentage of revenue, not a fixed amount. In slow months, your required payment is lower.
Ready to grow your inventory?
Free to apply. No collateral. Your offer is ready in minutes.
- 0% upfront fees
- No collateral
- Funded in under 24h