No security required

1. Apply Online

Are you looking to improve your cash flow by releasing funds from your business's unpaid invoices?

How does it work?

2. Get a decision in 48 hours

Connect your accounting software or bank account to give us insight into your business and access funds.

What will we ask from you?

3. Access your cash now

Connect your accounting software or bank account to give us insight into your business and access funds.

How much will it cost you?

Umati Capital are partners in the sense that apart from just providing capital to businesses, they also provide advice in helping one grow and also connect someone with potential clients. Their product is good for this kind of businesses and they are also fast in delivery of their product.”

Mercy, CEO of Jikoni Prime Cuts

Through Ankara, we are able to get another order and supply the products the following day as we have the cash already available to buy the goods from the farmers

Martin, Managing Director of Briken Green Company

I choose to use Umati as they are able to help in the cash flow problem where one doesn’t have to wait for payments from the customers for one to be able to supply to another customer

George, Managing Director of Consumer Benchmark E.A.

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

Our Management

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 small and mid sized businesses within the food and beverage sector who sell to other businesses on credit terms. We leverage our proprietary technology to provide branchless financial services to small scale suppliers, trading companies and industrial processors.



Westlands Nairobi | Kenya


Mondays to Fridays: 9am to 5pm

Follow Us
Contact Us

Sales: sales@umaticapital.com

Info: info@umaticapital.com

Mondays to Fridays: 9am to 5pm.