In a significant move to bolster Kenya’s economic landscape, Safaricom has unveiled enhanced credit solutions tailored for micro, small, and medium enterprises (MSMEs) as of May 21, 2025.
This initiative reflects Safaricom’s unwavering commitment to driving financial inclusion across the country, providing businesses with accessible and flexible financial tools to thrive.
Understanding Safaricom’s Enhanced Credit Solutions
Safaricom has expanded its financial ecosystem to cater to the diverse needs of MSMEs, offering innovative credit options that empower businesses of all sizes. The newly revamped solutions include:
1. Fuliza Biashara: Flexible Overdraft for Merchants
For Lipa na M-PESA Merchants, Fuliza Biashara provides a lifeline through multiple overdraft facilities. Businesses can access credit ranging from a minimum of Kshs 1,000 to Kshs 400,000, depending on their assigned limit.
A key highlight of this revamp is the flexible repayment structure, where overdrafts are recovered seamlessly when there’s an inflow on the till. This feature ensures business continuity without the stress of rigid repayment schedules.
2. Taasi Till: Short-Term Credit for Growth
Taasi Till is designed as a short-term credit option, offering businesses between Kshs 1,500 and Kshs 250,000 based on eligibility.
This term loan is perfect for entrepreneurs looking to fund immediate operational needs or seize growth opportunities, providing a quick financial boost when it matters most.
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3. Taasi Pochi: Instant Credit for Pochi la Biashara Users
For businesses leveraging Pochi la Biashara, Taasi Pochi delivers instant credit ranging from Kshs 1,000 to Kshs 250,000.
Accessible directly through the Pochi wallet via the M-PESA App or USSD code 3348#, this solution ensures that small traders can manage their finances efficiently without delay.
How to Access These Credit Solutions
Safaricom has made it incredibly convenient for businesses to tap into these credit options. Merchants can access Fuliza Biashara and Taasi Till through the M-PESA Business App or by dialling USSD *234#.
For Pochi la Biashara users, Taasi Pochi is just a click away on the M-PESA App or via USSD 3348#. This digital-first approach eliminates the need for lengthy paperwork, aligning with Safaricom’s mission to offer frictionless financial services.
Eligibility and Repayment Terms
To qualify for Taasi or Fuliza Biashara, merchants must have maintained active tills or Pochi wallets for more than six months.
Once approved, funds are deposited directly into the user’s M-PESA wallet, with repayment periods ranging from 14 to 30 days. This flexibility allows businesses to align repayments with their cash flow, fostering financial stability.
A Vision for Financial Inclusion
“Businesses play a pivotal role in Kenya’s economy and make a significant impact in our communities. Leveraging the power of technology, Taasi will offer convenience and access to credit for MSMEs, allowing them to focus on scaling their businesses,” said Dr Peter Ndegwa, Group CEO of Safaricom PLC.
This statement underscores Safaricom’s dedication to empowering the backbone of Kenya’s economy, its MSMEs.
Credit is a vital component of business health, enabling operations and funding key investments that drive growth. Through M-PESA, Safaricom continues to provide safe, convenient, and innovative financial tools, building a resilient and financially inclusive Kenya.
By targeting entrepreneurs, especially those in the informal sector, Safaricom and its partners aim to unlock new opportunities and promote economic empowerment.
Why This Matters for Kenyan Entrepreneurs
MSMEs are the lifeblood of Kenya’s economy, contributing significantly to employment and GDP. However, access to affordable credit has long been a challenge, particularly for small traders and informal businesses. Safaricom’s enhanced credit solutions address this gap by:
- Providing Quick Access to Funds: With instant credit options, businesses can respond to market demands without delay.
- Supporting Business Continuity: Flexible repayment terms ensure that cash flow disruptions don’t halt operations.
- Promoting Digital Adoption: By leveraging M-PESA’s robust platform, Safaricom encourages digital financial management among Kenyan entrepreneurs.
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The Broader Impact on Kenya’s Economy
By increasing access to affordable credit, Safaricom is not just supporting individual businesses but also promoting a more inclusive economic environment.
This initiative aligns with national goals to digitise the economy and empower the informal sector, which employs a large portion of Kenya’s workforce.
As more MSMEs thrive, the ripple effect will boost local communities and contribute to overall economic growth.
How to Get Started
If you’re a Kenyan entrepreneur looking to take advantage of these credit solutions, ensure your till or Pochi wallet has been active for over six months.
Download the M-PESA Business App or dial USSD *234# to explore your eligibility and access funds tailored to your business needs. For Pochi la Biashara users, simply use the M-PESA App or USSD 3348# to activate Taasi Pochi.
Ronnie Paul is a seasoned writer and analyst with a prolific portfolio of over 1,000 published articles, specialising in fintech, cryptocurrency, and digital finance at Africa Digest News.
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