Take control of your cashflow now

Choose when you get paid by your customers

Why you should choose Umati Capital


KES 1 Million

Access KES 1 million and more in unpaid invoices from your customers


48 Hours

Convert all of your unpaid invoices into cash within 48 hours



Collateral-free financing option starting from 2.5%

VIDEO: Grow your business with Ankara

How Ankara works

in 5 easy steps

Apply Now

All you need to get started is:

  1. Your company’s registration details
  2. 12 months bank statements/trading history

Request buyer approval

We will let you know if your buyer is pre-approved for you to receive Ankara against unpaid invoices. We will open up an Umati Capital virtual account, at no extra cost, so that you can receive payments from pre-approved buyers.


Select your invoice

You can upload invoices into our web portal or alternatively view available balances on our mobile USSD application.


Verify your invoice

We will verify your invoice with your buyer and you will be notified once this is approved.


Get cash now

Choose to get paid up to 80% of the value of your unpaid invoice.


We offer a simple and straightforward cost structure to access Ankara. We will charge you a transaction processing fee starting from as low as 2.5% per 30 days.

If your buyer is not already on our pre-approved buyer list, we will charge you a set up fee of KES 16,000 per buyer.

“My problem isn’t how long it takes to get paid but the uncertainty as to when the buyer will actually pay me. Being able to rely on Umati Capital gives me certainty on my cash flow..Every CEO needs money at the end of the month to do payroll.”

Kyle, Director of Kentaste

“I no longer have to wait 30 days for payments from international buyers. Faster payments from Umati Capital means that Marsil can now negotiate better terms with its suppliers.”

Alex, Director of Marsil Fresh

Are you eligible for Ankara?

  • Do you conduct a minimum of KES 250,000 per month in sales to a single customer?​
  • Do you have to wait at least 7 days for payment from your customers?
  • Do you need cash to grow your sales or lower your expenses?

The Mirage | Mezzanine 2

Waiyaki Way | Westlands Nairobi | Kenya

+254 714 874 494

Mondays to Fridays: 9am to 5pm

Follow Us
Contact Us

Sales: sales@umaticapital.com

Info: info@umaticapital.com

Phone: +254 714 874 494. 

Mondays to Fridays: 9am to 5pm.