How To Access Safaricom Mpesa Business Loan

This is a step-by-step tutorial for obtaining Safaricom Mpesa business loans. Safaricom’s Mpesa business loan is a loan product offered in collaboration with Asante, a fintech startup that provides financial services to Lipa na Mpesa merchants.

Safaricom Mpesa Business Loan Limit


The loan amount ranges from Kshs 100 to Kshs 200,000.

The loan amount is determined by your Lipa na Mpesa till activity. The more you use the till by accepting Mpesa payments from customers, the more likely it is that the loan limit will be increased.


  • All Lipa na Mpesa Buy Goods Merchants who have activated the business till functionality and have settled funds collected in their Mpesa tills to their Mpesa account.
  • Till must have been a Lipa na Mpesa user for at least three months (90 days).
  • Merchants will utilize their assigned phone numbers to gain access to the program.
  • At any given moment, a merchant can only apply for one loan or one till per store.
  • Only active tills qualify.
  • Once accepted, the loan will be promptly transferred to your mpesa company till account.

Benefits of Mpesa Business Loan

The following are the advantages of a business loan:

  • Maintaining the viability of merchants’ companies.
  • Quick and simple access to low-cost credit to fulfill transactions.
  • Merchant network expansion.
  • Payments between merchants are seamless.

How to Register for Mpesa Business Loans

Mpesa Business Loan

Merchants will use their nominated numbers to access the service.

1. Dial *234# from the Nominated Number.

2. Select Mpesa Business Till.

3. Enter your Store Number.

4. Select Business Loans.