About Us

Join Us

Unlock your cash, grow your business

1. Apply Online

Fill out a quick 15 minute online form

2. Get a decision in 48 hours

Get notified of your approval by email

3. Access your cash now

Get your loan paid into your M-pesa or bank account

"Our business expanded to a level where we needed help."- Dick
"I used the money to buy mahogany timber, made some beds so that if a customer requires a bed, I can deliver it on the same day."- Michael
"We plan to fulfill more orders with the availability of capital and in so doing we will increase our sales and revenue."- Penny

How Umati Online Merchant Financing Works

Apply Now

All you need to get started is: Your National ID and 15 minutes of your time to complete the application form

Receive approval in 48 hours

Get notified of your approval by email

Get cash now

Get your loan paid into your M-pesa or bank account

What our customers say about us

How much will it cost you?

Simple and straightforward all-in pricing from 6%. No collateral requirements. No legal fees.


Any current vendor of Jumia Kenya or Pigiame.co.ke


Umati Capital is a technology based company that advances cash to online sellers.

Umati Capital targets small and medium-sized online sellers who need cash to increase their sales and reduce their costs.

  1. Apply online through the registration form on our website
  2. Receive your confirmation in one business day
  3. Get funded

The loan has an interest of 6% which reduces as your limit increases.

During the pilot it can take upto 48 hrs maximum or less to receive funds. After the first month we aim to make it less than 6 hrs and after the pilot in 3 months’ time, it will be instant.

You should expect your requested amount less the fee. The fee will be deducted from the amount you receive but you will be required to pay the whole amount you requested for.

The repayment period for the loan is 4 weekly installments from the time borrowed. You will be advised accordingly with specific dates ones you borrow.

To pay this loan, go to your M-Pesa menu, select Paybill 600100 and account number 0100003693052. Remember to use your registered M-Pesa phone to make repayments.

  • We require no collateral to access the funds
  • We focus on the customers growth and assist in achieving it through educative blogs
  • We offer a limit of upto 1 million shillings
  • We have a flexible repayment period of upto 4 equal installments

If you ever have issues with repayment, please reach out to us via the form on our website.

You can grow your limit through consistent borrowing and increasing your sales. When your sales increase on the Jumia platform, we will be able to increase your limit everytime you borrow.

If you do not repay within the agreed period, we will deduct the amount owed from your Jumia sales account to repay your loan amount until fully settled.

If you have any questions feel free to email us on support@umaticapital.com


Contact us via the form on our website

Our Investors

Our Awards

Citi Mobile Challenge

Umati Capital named the Most Innovative Solution for Businesses sponsored by Citi Bank

The Zambezi Prize

Umati won Zambezi Entrepreneurship Award sponsored by MIT and MasterCard

Frost & Sullivan

Umati Capital won Customer Value Leadership Award 2016 sponsored by Frost & Sullivan

About Us

Umati Capital is a start-up non-bank financial institution located in Kenya that aims to revolutionize access to finance through the consistent and innovative use of technology.

Launched in July 2013, we have served out our mission by offering a variety of credit products and related payments technology that aim to give our clients the ability to unlock their cash and grow their businesses.

We are currently focused on serving micro to small traders and businesses within the formal and informal sectors who buy and sell across e-commerce platforms. We leverage our proprietary technology to provide branchless financial services to these clients with a priority focus on making our products accessible.

Our Management

About us

Join us

Contact us

Support: support@umaticapital.com

Mondays to Friday: 9am to 5pm