Fuliza ya Biashara is an overdraft credit service available to business owners using the M-Pesa business till for conducting various business transactions in Kenya. Once you activate this service on your M-Pesa line, you can complete transactions by overdrawing your account, even if you have insufficient funds in your Till, as long as you stay within your allocated limit.
To be eligible for the Fuliza ya Biashara (Boost ya Biahara) facility, a business owner must have been active on M-PESA for Business for at least 6 months.
Take note that this service is not accessible to Pochi la Biashara business owners.
Business owners who have activated the Fuliza Biashara overdraft service have access to the following transactions:
You can also download the M-PESA Business app from the Google Play Store and use it to activate this service.
Fuliza ya Biashara Charges
While you can access up to Ksh. 400,000 depending on your credit limit, Fuliza ya Biashara charges an access fee of 2% for every amount disbursed and a daily maintenance fee of up to Ksh. 250 depending on the amount.
The table below summarizes Fuliza ya Biashara daily charges:
Daily Maintenance Fee (KSh)
1 – 999
0 – 2,499
2,500 – 5,000
5,001 – 15,000
15,001 – 35,000
35,001 – 70,000
70,001 – 100,000
100,001 – 400,000
Repayment and Penalties
The money borrowed is supposed to be repaid within 30 days. The repayments will be automatically deducted from the funds received in your Business Till, every 30 minutes of the hour. The system will keep on checking your Till to see if funds are available.
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