Running a business is equal parts hustle and heart. You put in the hours, juggle suppliers, train staff, and work hard to win customers. Every sale that goes through your POS terminal or online store is a small victory. At the end of the day, when you add all the transactions up, day after day, those transactions don’t just tell the story of what you’ve sold. They tell the story of how your business is growing.
What if those sales data points could be the key to financing your next stage of growth?
That’s exactly the opportunity now open to merchants in Kenya and Uganda, thanks to Pesapal Credit.
Traditional Financing and its Challanges
For many entrepreneurs, access to financing remains one of the toughest hurdles. Banks and traditional lenders often operate on models that don’t reflect the realities of running a small or medium business. Collateral requirements shut out many SMEs who don’t have big assets.
As a result, too many businesses get stuck. They can manage day-to-day operations, but when it comes to seizing new opportunities, stocking up for the holiday rush, expanding into a new location, or investing in marketing they lack the capital to act quickly.
The irony? These same businesses are already generating the kind of proof lenders should care about: steady transactions, growing sales, and loyal customers.
Turning Sales into Opportunity
Pesapal Credit takes a different approach. Instead of relying on collateral or long paper trails, it uses your actual sales data to assess your eligibility for financing.
Every time you process a payment through a Pesapal POS terminal, accept mobile money, or receive an e-commerce payment, you’re building a track record. That track record becomes the foundation of your creditworthiness.
Here’s how it works:
Data-driven credit scoring: Pesapal analyzes your transaction history to understand your sales performance. It’s not about whether you own land or buildings, it’s about how your business is performing today.
Why This Matters for SMEs
For business owners, the value of this model lies in three things: speed, access, and confidence. Because Pesapal Credit uses transaction-based scoring, approvals happen much faster. You don’t waste days chasing paperwork or waiting for decisions. It also opens access to financing for businesses that may not have collateral; your daily sales become the proof of your reliability. And perhaps most importantly, flexible repayment terms and clear conditions give you the confidence to borrow without worrying about hidden traps.
A Story Every Business Can Relate To
Imagine you’re a retailer in Nairobi, running a clothing boutique. December is coming up, and you know demand will spike. A supplier offers you a discount if you place a bulk order now, but your cash flow is tight. If you don't have a business partner like Pesapal who understands your needs, you miss out entirely.
With Pesapal Credit, your steady sales over the past six months already paint a clear picture of your reliability. You apply. Approval comes quickly. Funds are disbursed. You stock up early, take advantage of the supplier discount, and ride the holiday season with enough inventory to meet demand.
Expanding Access: Now in Kenya and Uganda
Pesapal Credit launched in Kenya, where thousands of merchants have already tapped into this smarter approach to financing. Now, the product is expanding to Uganda, giving more entrepreneurs the same opportunity.
Whether you’re a hotelier in Kampala, a retailer in Kisumu, or a restaurateur in Nairobi, the principle is the same: your transactions are more than numbers. They’re your proof of growth potential.
What Growth Can Look Like
The beauty of transaction-based financing is that it works for businesses of all sizes and sectors. Here are just a few examples of how access to Pesapal Credit can unlock growth:
Bottom line is, every swipe of a card, every mobile money payment, every online checkout, all add up to more than daily sales. They add up to a story of reliability, consistency, and growth.
Pesapal Credit turns that story into something tangible: access to capital when you need it most. It’s fast and it’s now available to more merchants across Kenya and Uganda.
