The Mwezi Mmoja Boost Loan from Kechita Capital is a short-term microloan designed to empower small businesses, market vendors, petty traders, boda boda operators, freelancers, and SMEs across Kenya. It provides rapid access to KES 5,000–80,000 with a 30-day repayment period, helping entrepreneurs manage short-term cash flow gaps, operational expenses, restocking needs, and seasonal business opportunities.
This loan is completely collateral-free, making it accessible to informal business operators and small-scale entrepreneurs who may not have traditional banking assets. The approval process is digital, fast, and paperless, with funds instantly disbursed via M-Pesa, ensuring quick access to capital when it’s most needed.
Beyond addressing immediate financial needs, the Mwezi Mmoja Boost Loan helps borrowers build a credible financial history with Kechita Capital. Timely repayment improves creditworthiness and opens the door to larger loan products, such as Inua Biashara and Jenga Biashara, supporting business growth and long-term stability.
This product is designed to provide financial breathing space, support short-term operational needs, and enable entrepreneurs to make confident, informed business decisions without disruptions, ensuring that businesses can continue growing sustainably while maintaining steady cash flow.
You can borrow between KES 5,000 and KES 80,000. The exact amount depends on your business size, repayment history, and eligibility. This range is designed to provide sufficient working capital for small business operations, including restocking inventory, paying staff, covering operational expenses, or handling emergency business costs.
The Mwezi Mmoja Boost Loan is available to entrepreneurs across Kenya, including:
The loan must be repaid within 30 days from disbursement. Borrowers have the flexibility to repay in full at once or use structured installments aligned with their cash flow. The short-term repayment ensures that borrowers can manage funds responsibly while maintaining business continuity.
No. The Mwezi Mmoja Boost Loan is 100% collateral-free, making it accessible to informal sector entrepreneurs who may not own formal assets. Approval is based on your business activity, income potential, and repayment ability rather than physical assets.
Approval and fund disbursement are instant via M-Pesa. The application process is fully digital, allowing you to access your funds within minutes of approval. This ensures that urgent business needs can be met quickly without delays or lengthy paperwork.
Yes. You have the option to repay the loan in full at any time within the 30-day period or use structured installments that align with your daily or weekly sales. This flexibility allows you to manage repayment according to your business cash flow.
Early repayment is encouraged. Paying back the loan ahead of schedule strengthens your credit profile with Kechita Capital, increases your eligibility for larger loans in the future, and demonstrates financial responsibility, which may improve future borrowing terms.
Late repayment may result in penalties and could affect your ability to access future loans or higher borrowing limits. Borrowers are strongly encouraged to adhere to the repayment schedule to maintain a positive credit record and ensure continued access to Kechita Capital’s financial products.
Yes. Once your previous loan has been fully repaid, you can immediately reapply for a new Mwezi Mmoja Boost Loan. Successful repayment can also increase your borrowing limit and eligibility for higher loan amounts in the future.
Applications are simple and accessible through multiple channels:
In-person at Kechita Capital offices nationwide
This ensures that borrowers in both urban and rural areas can easily access the loan
