We are a team of makers, thinkers, explorers & creators. We are a small team with big ideas.

Apply Now

1. Apply Online

Are you looking to improve your online sales through stock financing? Fill out a quick  15 minute online form.

2. Get a decision in 48 hours

Get notified of your approval through email.

3. Access your cash

Access your cash anywhere at anytime through our mobile app.

How does it work?

How Pigiame 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

Accept our loan offer through your email.

Get cash now

Choose to get paid into your M-pesa or Bank account and stock your online store

What our customers say about our financing

Application Form

How much it will cost you

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


Any merchant of Pigiame Kenya.


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

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

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

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

During the pilot, it can take up to 48 hours or less to receive funds. After the first month, we aim to make it less than 6 hours and after the pilot 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 once 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 payments. 

  • 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 up to 1 million shillings. 
  • We have a flexible re-payment period of up to 4 equal installments. 

If you ever have issues with re-payment, 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 Pigiame platform, we will be able to increase your limit every-time you borrow. 

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

If you have more questions, feel free to email us on support@umaticapital.com or 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 price

Umati Capital won the Zambezi Entrepreneurship award sponsored by MIT and MasterCard. 

Front & Sullivan

Umati Capital won Customer Value Leadership award (2016) sponsored by Frost & Sullivan. 

Media Mentions

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 branch-less financial services to these clients with a priority focus on making our products accessible.

Our Management

Contact Us

Support: support@umaticapital.com

Monday to Friday: 9am to 5pm