M-pesa Agent Business Loan

Published: October 23, 2025 at 8:18 AM | Last Updated: October 23, 2025 at 8:19 AM

The M-PESA Agent Business Loan is a credit facility designed for M-PESA Agents to help keep your agency running smoothly. You can borrow any amount between Ksh 5,000 and Ksh 10,000,000 to boost your working float and serve customers without interruption.

As an M-PESA Agent, you’ll be charged a 0.123% fee on the total amount you borrow.

Benefits

Get quick access to credit to increase your working float.

Serve more customers and grow your business.

Eligibility

You qualify for the M-PESA Agent Business Loan if:

You’re an M-PESA Agent Head Office.

Your loan limit is based on your M-PESA Agent till activity.

You’ve been active as an M-PESA Agent Head Office for at least 3 months.

You have not been blacklisted or suspended within the last year.

How to Register

Dial 2343#

Select M-PESA Agent Business Loan

Enter your Head Office Number

Enter your Primary Assistant ID

Accept the terms and conditions to opt in

How to Repay

Dial 2343#

Select M-PESA Agent Business Loan

Choose Pay Loan

Select your Financier

Notes

You can opt out of the service if you have no outstanding loan.

If your M-PESA Agent Head Office till is suspended or frozen, you won’t be able to access the service.

If you already have a loan with M-Shwari or KCB M-PESA, you can still borrow using the M-PESA Agent Business Loan, as it’s a separate loan facility