Credit
A credit limit for your stock. Use part of it or all of it, pay it back every week, and use it again.
- Pay any till, paybill or phone number
- One flat fee, only on what you use
- Pay it all back and your full limit is ready again
NewCowdi now works with Greenwheels and Gilani's
Stock up today. Pay back a little every week.
Cowdi gives your shop a credit limit on your phone. Use what you need, pay it back every week, and use it again. You pay only on what you use.
Banking partnerChoice Microfinance Bank
Pay and repay withM-Pesa till, paybill or phone
Sign up withYour phone number
WhereNairobi area, on Android
Credit, savings and payments that work with M-Pesa.
Three tools, one number, no forms. Everything runs from the phone you already use for business.
Savings
Keep business money apart from personal money, and earn interest on it every week.
- Deposit and withdraw with M-Pesa
- Interest paid into your wallet every Monday
- Hold up to KES 500,000 once you are verified
Payments
Pay suppliers and staff from your wallet or your credit limit.
- Till, paybill and phone numbers
- A clear record of every payment
- No hidden fees
How Credit works
Use it, pay it back, use it again.
Your credit limit is money you can use today. You pay back part of what you used each week. When you have paid it all back, your full limit is ready to use again.
- 1
Get your limit
Sign up on your phone. We look at how your business trades and give you a credit limit. There is no paperwork.
- 2
Use what you need
Pay a supplier's till, paybill or phone number with credit. Use part of your limit or all of it.
- 3
Pay back every week
You pay back part of what you used each week. The app shows the amount and the day before you confirm.
- 4
Use it again
When you have paid back everything you used, your full limit is ready again. You can pay it all back early.
CreditYour limit
Available to spendActive
KES12,000
Used 8,000Limit 20,000
Pay with creditPaid Mama Njeri Wholesale · KES 8,000
Your pay dayOnce a week
Due in 3 daysKES 4,320
Pay nowYou pay a fee only on the KES 8,000 you used.
A real example
Wanjiku wants to restock. But cash is tight.
She uses KES 8,000 of her Cowdi credit as working capital to pay her supplier today. She sells the new stock and pays Cowdi back over the next weeks with the money from her sales. Once it is all paid back, her full limit is ready again.
Try it yourself. Pick an amount and the weeks.
Your business money, handled with care.
A licensed banking partner
Choice Microfinance Bank handles banking and loan payouts. The bank is licensed by the Central Bank of Kenya.
Every shilling shown first
You see the fee and each weekly payment before you confirm. There are no hidden charges.
Your data stays yours
We follow Kenya's Data Protection Act, 2019. We never sell your personal data.
Pay back any time
Pay back a little each week, or all of it early. Then your full limit is ready again.
Questions from shop owners
Talk to a person
Message our team on WhatsApp for help with the app, your credit or your savings.
+254 141 813 817How does Credit work?
Credit is a revolving credit limit for your business. You use what you need, pay it back every week, and use it again. You pay one flat fee, only on the amount you use.
How much does it cost?
You pay a fee on the amount you use. The fee depends on how many weeks you take to pay back. Fewer weeks cost less. The app shows the fee and each weekly payment before you confirm.
Can I pay back early?
Yes, any time. When you have paid back everything you used, your full limit is ready to use again.
What if I pay late?
You cannot use your credit until you clear what is late. You can always pay back. If you are struggling, talk to us early on WhatsApp.
How does the savings wallet earn interest?
Your wallet balance earns interest, and we pay it into your wallet every Monday. You can hold up to KES 100,000. After you verify your identity, you can hold up to KES 500,000. Verification takes 1 business day.
How do I pay back?
Pay from your Cowdi Wallet or with M-Pesa to our paybill. You find the paybill number in the app.
Who can get Credit?
We are opening across the Nairobi area, one business at a time. Download Cowdi, or message us on WhatsApp, and we will tell you what's next for your business.
Get Cowdi on your phone.
Sign up with your phone number. We are opening across the Nairobi area, one business at a time.
Scan with your phone camera to download