Running a business requires constant decisions. You need to buy stock, pay workers, handle repairs, and cover unexpected expenses.
At times, you need extra funds to restock during busy seasons or expand your services to meet growing demand. Traditional bank loans can be slow and demanding, often requiring collateral and paperwork that takes time. This slows down your business when you need quick action.
Pesapal Credit offers a solution for small and medium-sized businesses, It provides unsecured business loans, meaning you do not need collateral or guarantors to get funding. Instead, we use your actual business transaction data to assess your eligibility and provide a loan that meets your business needs.
Applying for a Pesapal Credit is a fully digital and straightforward process. If you have been using Pesapal products for over six months, you can apply for a loan online and get quick approval. The funds are sent directly to your Openfloat account, allowing you to pay suppliers, restock products, or manage urgent costs without delays.
The Pesapal Business Overdraft is a flexible credit facility designed to help you handle short-term financial needs in your business. It is ideal for managing cash flow gaps, paying suppliers on time, or handling unexpected expenses during slow seasons without affecting your daily operations.
What you need:
This financing option helps you upgrade your business systems by covering up to 70% of the costs for Oracle Hospitality Solutions, including software, setup, and installation. It allows your business to adopt better technology without putting pressure on your cash flow, helping you improve efficiency and guest experience while spreading the payment over time.
What you need:
The Pesapal Business Loan is a short-term working capital loan designed to support operational expenses, restocking, or managing periods of high demand for businesses. It helps you keep your shelves stocked and your services running smoothly, even during peak seasons, ensuring your company doesn't miss opportunities due to cash flow challenges.
What you need:
What it is:
PFMS Stock Financing enables petrol station owners to acquire the Pesapal Forecourt Management Solution (PFMS) while providing additional working capital for their operations. You can secure up to 80% financing for PFMS software, installation, and operational costs, enabling you to enhance fuel station management and efficiency without depleting your cash reserves.
What you need:
Managing loans is also simple with Pesapal Credit. You can check your loan balance, repayment progress, and available credit limit in real time. This transparency enables you to plan your finances while focusing on business growth.
Also read: How to Improve Your Credit Score in Kenya
Pesapal Credit is designed for businesses across various sectors, including retail, hospitality, travel, and the fuel industry. Unlike traditional lenders, it utilizes your real-time transaction data to provide loans that align with your cash flow and business performance, ensuring you receive funding without disrupting your operations.
Businesses across East Africa are utilizing Pesapal Credit to restock during peak seasons, manage their cash flow, and invest in improvements without delay. These unsecured loans enable business owners to capitalize on opportunities as they arise while maintaining control over their finances.
Understanding your loan options helps you make informed decisions for your business. With Pesapal Credit, you can access fast, collateral-free funding that supports your goals, helping your business grow and remain strong in a competitive market.
Talk to us today to discover the loan options available for your business
