Eligibility for Fuliza ya Biashara requires a registered Lipa na M-Pesa Buy Goods Till that's been active for at least 6 months, excluding Pochi la Biashara users. Businesses must demonstrate consistent transaction history and good repayment behavior once opted in, with limits assigned dynamically based on till activity (KSh 1,000–400,000). No collateral or paperwork is needed, but the till must be in good standing without fraud flags or unresolved issues.
Core Requirements
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Active Buy Goods Till: Must be a Lipa na M-Pesa business till (not personal M-Pesa, PayBill, or Pochi la Biashara wallets).
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Minimum Age: Till registered and transacting for 6+ months from activation date.
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Transaction History: Regular Lipa na M-Pesa inflows/outflows showing creditworthiness (e.g., daily/weekly volumes).
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Compliance: No blacklisting, defaults, or pending reversals on the till.
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Nominated Line: Use the Safaricom SIM linked as the primary till operator.
Safaricom assesses automatically upon opt-in; new or low-activity tills start with minimal limits.
Summary Table
| Requirement | Details |
|---|---|
| Till Type | Lipa na M-Pesa Buy Goods only |
| Minimum Activity Period | 6 months from registration |
| Transaction Consistency | Steady inflows (e.g., KSh 10K+/month ideal) |
| Account Status | Good standing, no fraud/defaults |
| Activation Method | *234# or M-PESA Business App |
Disqualifiers and Tips
Common Rejections:
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Pochi la Biashara or personal wallets.
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Tills under 6 months old.
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Irregular/low-volume usage.
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Outstanding CRB listings tied to the line.
Boost Approval Odds:
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Increase till transactions before applying.
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Ensure zero outstanding on any linked loans.
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Use the nominated business line consistently.
Once eligible, opt-in via *234# prompts instant limit assignment. Maintain repayments (auto from deposits after 48-hour grace) to grow limits. Contact Safaricom Business (100) for disputes
