Loans, SACCOs, Insurance, Investments, Paybill Setup & more — all the financial tools Kenyan businesses need, in one place. Powered by real partner banks.
Certificate of Incorporation / Business Registration · KRA PIN · ID/Passport of directors · Utility bill (last 3 months) · Minimum deposit (varies by bank)
🏦 Choose Your Business Bank
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🤝 Why join a SACCO?
SACCOs offer cheaper loans (10–12%), dividends on savings (10–15%), member welfare, group investment power & no collateral loans based on savings. Best option for salaried Kenyans & SMEs.
🤝 Top SACCOs in Kenya
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🛡️ Protect your business & family
Business insurance, health cover, life insurance, motor vehicle, professional indemnity & more — get quotes from Kenya's top insurers in minutes.
🛡️ Insurance Partners
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📈 Grow your idle cash
Money Market Funds offer 10–15% p.a. returns with daily liquidity. Treasury Bills (91/182/364 day) are government-backed with 15–17% returns. Start from KES 1,000.
📈 Investment Options
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📲 Get your business on M-Pesa today
Every Sokoni seller should have a Paybill or Till Number. Accept payments 24/7, track transactions, reconcile easily & build transaction history for loan applications.
📲 How to Set Up M-Pesa Business
1
Register Business
Have your business registration certificate, KRA PIN & national ID ready. Individual businesses can also register with personal ID.
2
Visit Safaricom or Apply Online
Go to any Safaricom shop or visit M-Pesa Business at safaricom.co.ke/m-pesa-business. Sokoni can facilitate the application for you.
3
Choose: Paybill or Till
Paybill: customer enters account number (good for multiple products). Till: fixed amount button (good for physical shops). Both are free.
4
Link to Bank Account
Link your Paybill to your business bank account for daily auto-settlements. Takes 2–5 business days to activate.
5
Go Live on Sokoni
Add your Paybill/Till to your Sokoni seller profile. All your customers can now pay via M-Pesa checkout seamlessly.
6
Build Loan History
6 months of M-Pesa transactions qualifies you for KCB M-Pesa, Equity Eazzy & Fuliza business loans with no physical collateral.
📲 M-Pesa Business Products
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🌍 Import/Export? Handle forex smartly
Compare exchange rates across banks. Use forward contracts to lock in rates. Avoid bureau de change markups on large amounts. CBK official rate updated daily.
💱 Today's Indicative Exchange Rates (KES)
Currency
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🏦 Best Forex Banks in Kenya
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🌱 Microfinance — for those just starting out
No collateral required. Group or individual loans. Start from KES 5,000. Perfect for market traders, mama mbogas, boda riders, artisans & micro businesses all over Kenya.
🌱 Microfinance Partners
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👥 Chamas — Kenya's Wealth-Building Secret
Over 300,000 registered chamas in Kenya manage KES 300 billion+ in assets. A chama is a self-help investment group — members pool money monthly, invest collectively & take turns accessing capital. SOKONI makes running your chama digital & transparent.
🔄 How a Chama Works
1
Form Your Group
3–30 members. Set monthly contribution amount (e.g. KES 1,000–50,000/member). Elect chairperson, treasurer & secretary.
2
Contribute Monthly
Every member contributes monthly via M-Pesa. SOKONI tracks contributions, sends reminders & flags missed payments automatically.
3
Pool & Invest
Pool funds into: Money Market Funds (10–15% p.a.), Treasury Bills, land purchase, shares on NSE, or a group business/rental property.
4
Access Chama Loans
Members can borrow up to 3× their savings from the chama fund at 0–5% interest. Repaid back into the pool — no bank required.
5
Bank Group Loans
With 6+ months of records, your chama qualifies for group loans from KCB, Equity & Co-op Bank (up to KES 10M with group guarantee).
6
Grow Wealth Together
Annual AGM: distribute dividends, review investments, elect new officials. Many chamas own apartments, schools & businesses within 5 years.
📈 Where Chamas Invest in Kenya
📋 Register Your Chama on SOKONI
Get your chama a digital home — track contributions, investments, minutes & loans. Free to register.
👥 Active Chamas on SOKONI
🛠️ Chama Management Tools
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⚡ Instant Digital Loans — No Bank Visit Needed
Kenya leads Africa in mobile lending. Get loans in minutes using your phone. Mogo for vehicles & boda bodas, Branch/Tala/Zenka for personal loans, M-Kopa for device & solar financing. No collateral, no paperwork — just your M-Pesa history.
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Mogo Kenya — Ride Now, Pay Later
Vehicle Financing for Boda Bodas, Tuk-Tuks & Cars
🏍️ Boda Boda Loan
Finance any motorcycle: Bajaj, TVS, Honda, Haojue, Hero
From KES 50,000
Up to 24 months repayment
🛺 Tuk-Tuk Loan
Finance your 3-wheeler for courier or passenger business
From KES 150,000
Up to 36 months repayment
🚗 Used Car Loan
Buy a used car with as little as 20% deposit
From KES 300,000
Up to 60 months repayment
⚡ E-Bike Loan
Electric motorcycle financing for Sokoni delivery riders
From KES 80,000
Up to 24 months · Solar-charge compatible
Requirements: National ID · 3 months M-Pesa statements · 10–20% deposit · Active phone line
📱 Instant Loan Apps — Compare & Apply
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M-KOPA — Device & Solar Financing
Pay-as-you-go for smartphones, solar panels, TVs & appliances
✓Smartphones from KES 0 down
✓Solar panels & lighting
✓TVs & home appliances
✓Daily/weekly M-Pesa payments
✓Builds credit score
✓500,000+ customers Kenya
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Watu Credit — Boda Boda & Tuk-Tuk Financing
Asset financing for boda riders across Kenya & East Africa
✓Motorcycle from KES 15,000 deposit
✓Tuk-tuk & 3-wheelers
✓Daily M-Pesa repayment
✓No salary slip required
✓50,000+ boda riders financed
✓All major motorcycle brands
💰 Submit Your Application
🌱 SOKONI Foundation
Building a Better Kenya, One Contribution at a Time
SOKONI Foundation channels a portion of every transaction into empowering Kenyan youth, funding digital skills training, and backing young entrepreneurs who can't access formal bank credit.