Access to affordable business financing remains one of the biggest challenges facing Micro, Small, and Medium Enterprises (MSMEs) in Kenya. While many digital loan apps exist, only a few are legitimate, regulated, and designed to support real business growth.
One such platform is Pezesha Loan App (2.0).
Pezesha is a Central Bank of Kenya (CBK) licensed digital credit provider offering working capital solutions to MSMEs in Kenya and Uganda. With the upgraded Pezesha 2.0 App, business owners now enjoy faster loan approvals, better credit scoring, and flexible repayment options.
This detailed guide explains how Pezesha works, loan limits, interest rates, requirements, Paybill details, and whether Pezesha is legit in Kenya.
What Is Pezesha Loan App?
Pezesha is a digital financial ecosystem created to connect MSMEs with affordable working capital. The name comes from the Swahili words “Pesa” (money) and “Wezesha” (to empower), reflecting its mission to empower small businesses financially.
Unlike many unregulated mobile loan apps, Pezesha is fully approved and regulated by the Central Bank of Kenya (CBK). This means it follows strict consumer protection rules, transparent pricing, and ethical debt collection practices.
Pezesha focuses primarily on business loans, making it suitable for traders, shop owners, wholesalers, manufacturers, and service-based entrepreneurs.
Pezesha Loan App 2.0 Features
The Pezesha 2.0 App introduces an improved user interface, quicker loan processing, and smarter credit assessment based on real business performance.
Pezesha Loan Details in Kenya
| Feature | Details |
|---|---|
| Loan Amount | Ksh 10,000 – Ksh 2,000,000 |
| Interest Rates | 2% – 4% per month |
| Processing Fee | Ksh 100 |
| Repayment Period | Up to 12 months |
| Disbursement Method | M-Pesa or Bank Account |
| Countries Available | Kenya & Uganda |
Loan limits increase gradually as you demonstrate consistent repayment behavior.
Pezesha Loan Requirements in Kenya
To ensure loans are issued to legitimate and active businesses, Pezesha requires applicants to submit verifiable documents.
Required Documents
- M-Pesa Statement – 6 months transaction history
- Bank Statement – 6 months (business or personal)
- Valid Business Permit – At least 6 months old
- National ID – For KYC and identity verification
These documents help Pezesha assess cash flow, business stability, and creditworthiness.
How to Apply for a Pezesha Loan in Kenya
Apply via Pezesha 2.0 App
The fastest way to access a Pezesha loan is through the Pezesha Marketplace App, available on Google Play Store.
Application process:
- Download and install the Pezesha App
- Register your business details
- Upload M-Pesa and bank statements
- Get instant credit scoring and loan limit
- Apply for a loan
- Receive funds within 24 hours
Funds are sent directly to your M-Pesa or bank account.
Apply via SMS
For users without smartphones, Pezesha also supports offline access:
- SMS Shortcode: 22235
This makes Pezesha accessible to MSMEs across the country.
Pezesha Loan Repayment & Paybill Details
Paying your loan on time improves your credit score and increases your future loan limits.
Official Pezesha Paybill
- Paybill Number: 898927
- Account Number: Your valid National ID number or the account number provided in the app
Repayments can also be tracked directly through the Pezesha App.
Benefits of Using Pezesha Loan App
✔ CBK Licensed & Secure
Pezesha is regulated by the Central Bank of Kenya, ensuring transparency, data protection, and fair lending.
✔ Affordable Interest Rates
Monthly interest rates of 2%–4% are lower than most mobile loan apps in Kenya.
✔ Designed for Business Growth
Loans are tailored for working capital, inventory restocking, and expansion.
✔ Financial Education Support
Pezesha offers Financial Clinics to help businesses improve their credit profile if they don’t qualify initially.
✔ High Loan Scalability
Borrowers can grow their loan limit up to Ksh 2 million with good repayment history.
Pezesha Customer Care Contacts
For support with loan applications, repayments, or account issues:
- Email: hello@pezesha.com
- Phone: +254 717 866 799
- Phone: +254 758 616 419
- Office Address:
7th Floor, Rainbow Towers,
Muthithi Road, Westlands, Nairobi
Is Pezesha Loan App Legit or a Scam?
Pezesha Loan App is legit and safe to use in Kenya.
It is a CBK-licensed digital lender focused on ethical lending and MSME growth. It does not operate like predatory loan apps that harass borrowers or hide charges.
However, borrowers should always read loan terms carefully and borrow amounts aligned with their business cash flow.
Conclusion
The Pezesha Loan App Kenya (2.0) is one of the most reliable business loan platforms for MSMEs in 2026. With affordable interest rates, flexible repayment periods, and CBK regulation, Pezesha stands out as a trustworthy financial partner for Kenyan entrepreneurs.
If you run a genuine business and need working capital to grow, Pezesha is a strong option worth considering.