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1. Apply Online

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

How does it work ?



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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 ?



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3. Access your cash

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

How much will it cost you ?



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How It Works

How Pigiame Online Merchant Financing Works

Apply Now

All you need to get started is:

1. Your National 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

What our customers say about our financing

Application Form

How much will it cost you

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


Any current merchant of Pigiame Kenya

Pigiame Merchant Knowledge Centre

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


Who is Umati Capital?

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

Who are Umati target customers?

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

What is required of me to access this loan?

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

How much does the loan cost?

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

How long will it take before I can access the loan?

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.

How much should I expect?

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.

When do I need to repay the loan?

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.

How will I make the payment?

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.

Why is Umati Capital the option of choice?



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What if I have issues with repaying?

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

I need more cash. How do I get more?

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.

What happens if I do not repay?

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.

I have more questions. Who should I contact?

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


Contact us via the form on our website

What are your terms and conditions?

Click here to view terms and conditions. 



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Customer Support

Can’t find what you’re looking for? Our customer service agents are waiting to hear from you.

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.



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Media Mentions

Umati Capital has been named among the winners of the Citi Mobile Challenge
50 Kenyan firms listed in Inspiring African Companies by London Stock Exchange
Umati Capital to pay farmers daily for milk deliveries
Umati Capital to Use App in Disbursing U.S.$500,000 to Farmers in Kenya

The Mirage | Mezzanine 2

Waiyaki Way | Westlands Nairobi | Kenya

+254 714 874 494

Mondays to Fridays: 9am to 5pm


About Us

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Contact Us

Sales: sales@umaticapital.com

Info: info@umaticapital.com

Mondays to Fridays: 9am to 5pm.