1. Apply Online

Are you looking to improve you online sales through stock financing?

How does it work ?

2. Get a decision in 48 hours or less

Tell us about yourself and your business though a short and simple online application form

What will we ask from you ?

3. Access your cash

Access your cash anywhere at anytime through our mobile USSD app.

How much will it cost you ?

How It Works

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How Jumia Vendor Financing Works

Apply Now

All you need to get started is:

  1. Your Jumia vendor ID
  2. 15 minutes of your time to complete the application form

Receive approval in 48 hours

Accept our loan offer

Get cash now

Choose to get paid into your M-Pesa account and stock your online store

Application Form

How much will it cost you

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

Eligibility

Any current vendor of Jumia Kenya

Jumia Vendor Knowledge Centre

Check back here for future content showing you how to grow your online business

FAQs

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

                             Or

Contact us via the form on our website

Click here to view terms and conditions. 

Customer Support

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Our Investors

                                                             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 small and mid sized businesses who wish to grow their business using straightforward and simple merchant financing. We leverage our proprietary technology to provide branchless financial services to small scale individual suppliers and mid sized trading companies who sell across e-commerce platforms in Kenya.

 Location:

 

Westlands Nairobi | Kenya

 

Mondays to Fridays: 9am to 5pm

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Contact Us

Sales: sales@umaticapital.com

Info: info@umaticapital.com

Mondays to Fridays: 9am to 5pm.