Fuliza ya Biashara is Safaricom's overdraft service designed specifically for businesses using Lipa na M-Pesa Buy Goods Tills, allowing merchants to complete customer transactions even when their till balance is insufficient. Launched in partnership with KCB Bank, it acts as an instant credit top-up for cash flow gaps during sales, with automatic repayments from incoming till deposits. Unlike personal Fuliza, it's strictly for business tills (not personal M-Pesa or Pochi la Biashara), targeting SMEs like shops, kiosks, and vendors.
Key Features and Eligibility
To access it, your business till must:
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Be a registered Lipa na M-Pesa Buy Goods Till (active for at least 6 months).
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Show consistent transaction volume and good repayment history.
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No separate application needed—eligibility is assessed automatically based on till activity.
It offers a 48-hour grace period (no fees), then applies charges. Multiple draws are allowed daily within your limit, and it's ideal for high-volume days like weekends or holidays.
Loan Limits
Limits are personalized and dynamic, reviewed based on your till's transaction frequency, volume, and repayment behavior:
| Outstanding Amount Range | Typical Limit Assignment | Notes |
|---|---|---|
| Starter (Low Activity) | KSh 1,000 – 10,000 | Newer tills with basic usage |
| Regular | KSh 10,001 – 50,000 | Consistent daily transactions |
| Advanced | KSh 50,001 – 100,000 | High-volume merchants |
| Maximum | Up to KSh 400,000 | Proven history, large inflows |
Maximum cap is KSh 400,000 (much higher than personal Fuliza's KSh 70,000). Limits grow over time with more Lipa na M-Pesa usage—e.g., processing KSh 50,000+ monthly can trigger boosts. Check via *234# > Fuliza ya Biashara > Check Limit.
How It Differs from Personal Fuliza
| Feature | Fuliza ya Biashara | Personal Fuliza |
|---|---|---|
| Target | Business Tills | Personal M-Pesa |
| Max Limit | KSh 400,000 | KSh 70,000 |
| Grace Period | 48 hours | None (fees immediate) |
| Repayment Source | Till inflows only | Any M-Pesa deposits |
| Fees | 2% access + daily (KSh 12–250) | 1% access + daily (KSh 10–30) |
Defaults after 91 days lead to CRB listing and suspension. Use responsibly to maintain access
How to activate Fuliza ya Biashara on Lipa Na M-PESA till
To activate Fuliza ya Biashara on your Lipa na M-Pesa till, use your registered Safaricom business till number (must be active for at least 6 months; Pochi la Biashara users are ineligible). Activation is free and instant upon approval, based on your till's transaction history. You'll receive an SMS with your personalized limit (starting from KSh 1,000 up to KSh 400,000 max).
Method 1: USSD Code (*234#) – Quickest Option
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Dial *234# from your nominated business till line.
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Select M-PESA Business Till (option usually 7).
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Enter your HO/Store Number (till number).
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Choose Business Loans.
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Select Fuliza ya Biashara (or Boost ya Biashara).
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Tap Join Now or Opt In.
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Accept the Terms & Conditions (read carefully—covers fees, 48-hour grace, 91-day default rule).
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Enter your Operator ID (as registered with the till).
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Input your Operator PIN.
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Confirm—SMS confirms activation and limit.
No data needed; works anywhere.
Method 2: M-PESA Business App (Detailed Dashboard)
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Download M-PESA Business App from Google Play (Android) or App Store (iOS).
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Log in with your till number, operator ID, and PIN.
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Go to Loans or Business Loans section.
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Select Fuliza ya Biashara.
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Follow prompts: Accept T&Cs, confirm details.
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Activate—view limit, history, and repayments in-app.
Ideal for monitoring multiple tills.
Post-Activation Checks
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Verify Limit: *234# > M-PESA Business Till > Business Loans > Check Limit.
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First Use: Try a Lipa na M-Pesa transaction exceeding balance—it auto-draws.
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Supported: Buy Goods, PayBill, withdrawals to agents/nominated numbers (business-only).
If denied, boost till volume first. Repay via incoming deposits; fees start after 48 hours (2% access + daily). Contact Safaricom Business Care (dial 100 or *100# > Business).
