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Access to new capital
Cost-Effective Loans: Access affordable digital business loans that fit your budget.
Simplify your finances
Collateral-Free Credit: Secure credit services without the need for collateral, making it easier to qualify.
Fast and easy funding:
Instant Decisions & Disbursement: Get an immediate approval and have your loan amount deposited right away.
Grow beyond your limits:
Flexible Repayment Options: Choose a comfortable repayment plan that aligns with your business goals.
How To Get Your Business Loan
Request Loan:
Choose a loan amount within your approved limit and select a repayment plan that fits your needs.
Loan Disbursement:
Get an immediate decision on your loan application. If approved, the loan amount will be deposited directly into your Zepesa account.
Loan Repayment:
Zepesa will automatically deduct your repayments from your Zepesa transactions according to the agreed schedule.
Zepesa loan highlights
✅ Get Cash Fast: Apply online and get approved in minutes.
✅ Up to KSh 100,000: Access the funds you need directly in Mpesa.
✅ Apply in Minutes: One ID and a few questions - that's all it takes.
✅ Flexible Repayment Options: Choose a repayment plan that fits your budget (up to 91 days).
✅ Low Rates Starting at 0.3% Daily: Enjoy competitive interest rates.
✅ Increase Your Limit: Build trust and unlock higher loan amounts over time.
✅ 100% Online: No paperwork needed - it's all digital!
✅ No Credit Check Needed: Get the financial help you deserve.
Disclosures: Zepesa loans are not associated with the Zenka loan app, Branch loan app, Timiza loan app, Okash loan app, KCB loan app or the Zash loan app. The Zepesa loan app is owned, managed and distributed by Zepesa.
Keita (Owner, Jaza Cakes & More Soars)
Jaza Cakes was stuck. Zepesa's digital loan got me a new oven and delivery staff. Now, the bakery's booming! Easy application, automatic repayments – Zepesa's the perfect partner for growth.