Fuliza ya Biashara –Daily Charges,How To Activate And Everything You Need to Know

Discover how Fuliza ya Biashara can help boost liquidity and elevate business operations for small and medium enterprises in Kenya.

Nov 16, 2023 - 05:05
Nov 16, 2023 - 16:05
Fuliza ya Biashara –Daily Charges,How To Activate And  Everything You Need to Know
Fuliza ya Biashara –Daily Charges,How To Activate And Everything You Need to Know

In a collaborative effort to bolster small and medium-sized businesses, Safaricom PLC, in partnership with KCB Bank Kenya, introduced Fuliza ya Biashara on May 4th, 2023. This groundbreaking overdraft facility presents a lifeline for business owners operating with M-Pesa Business tills, offering credit extensions when their accounts encounter zero balances or insufficient funds. Designed to enhance fiscal maneuverability, Fuliza ya Biashara empowers entrepreneurs to conduct urgent transactions, meet client demands, and navigate unforeseen business challenges.

How to Use Fuliza ya Biashara

Activation Process

Utilizing Fuliza ya Biashara is a straightforward process, exclusively accessible to business owners with active M-Pesa till numbers that have been registered for over six months. Regrettably, Pochi La Biashara users are not eligible for this overdraft facility. To activate Fuliza ya Biashara, follow these steps:

  1. Dial *234# from your registered Safaricom Mpesa Till number.
  2. Navigate to 'Mpesa Business Till.'
  3. Select 'Business Loans.'
  4. Opt for 'Fuliza ya Biashara.'
  5. Accept the terms and conditions.
  6. Enter your user ID.
  7. Input your user PIN.

Upon successful registration, a confirmation text detailing your assigned limit will be sent. This limit can be utilized for Paybill and Buy Goods and Services transactions in the Lipa na M-Pesa category. It can also be withdrawn at M-Pesa agent outlets or transferred to a nominated number.

Overdraft Convenience

Fuliza ya Biashara's overdraft service operates seamlessly. Subscribers receive pop-up notifications when conducting transactions with insufficient funds, enabling them to proceed easily.

Fuliza ya Biashara Limits and Repayment

Understanding Limits

With Fuliza ya Biashara, business owners can bridge the gap between their actual account balances and required transaction amounts. This facility allows overdrafts ranging from a minimum of Ksh1,000 to a maximum of Ksh400,000. These predetermined credit limits are determined based on transaction history and frequency of Safaricom and M-Pesa services.

Repayment and Benefits

Customers have 30 days to repay the borrowed amount. Repaying as soon as possible is advisable to enhance creditworthiness and expand limits. After repayment, customers gain access to a new overdraft, including the repaid amount. It's essential to adhere to repayment schedules to avoid being blacklisted by Credit Reference Bureaus and encountering service restrictions.

Fuliza ya Biashara Fees

Transparent Fee Structure

Fuliza ya Biashara is cost-effective, ensuring business owners can manage their finances without incurring excessive charges. The following table outlines the daily maintenance fees based on the loan amount:

Loan Amount (KSh) Daily Maintenance Fee (KSh)
1 - 999 0 (Free)
1,000 - 2,499 12
2,500 - 5,000 30
5,001 - 15,000 50
15,001 - 35,000 150
35,001 - 70,000 200
70,001 - 100,000 250
100,001 - 400,000 250

Furthermore, a 2% access fee is applied to every disbursement made.

Qualification and Accessibility

Eligibility Criteria

To qualify for Fuliza ya Biashara, business owners must actively use their M-PESA Business Till for at least six months. Timely loan repayments contribute to maintaining and potentially increasing credit limits. Failure to meet repayment obligations can result in reduced limits and potential listing on Credit Reference Bureaus after 91 days.

Transforming Business Landscape with Fuliza ya Biashara

Empowering SMEs

Small and medium-sized enterprises require dependable financial solutions to thrive. Fuliza ya Biashara, a Safaricom and KCB Bank collaborative effort, emerges as a game-changer. This product addresses liquidity challenges, allowing business owners to complete essential transactions with inadequate funds.

Seamless Transactions

Like its counterpart, Fuliza Mpesa, Fuliza ya Biashara simplifies transactions for businesses with insufficient Mpesa funds. The array of transactions includes mobile payments, bill payments, withdrawals, and more, enabling businesses to operate smoothly without interruptions.

Convenient Activation

Business owners can activate Fuliza ya Biashara through the USSD code or the Mpesa App. Your transaction history and business performance determine the assigned limit. By adhering to repayment schedules, you can influence your limit for the better.

READ ALSO:  Fuliza Mpesa: The Ultimate Guide to Fuliza to Your Number


Fuliza ya Biashara emerges as a beacon of financial support for businesses, providing a lifeline during critical moments. With its user-friendly activation process, transparent fee structure, and focus on enhancing liquidity, this product is a testament to Safaricom and KCB Bank's commitment to empowering entrepreneurs. As businesses continue to leverage this innovative facility, the financial landscape in Kenya is set to experience positive transformation.


  1. Is Fuliza ya Biashara available for Pochi users?

    Unfortunately, Fuliza ya Biashara is not accessible to Pochi users. It exclusively caters to business owners with active M-Pesa till numbers.

  2. How is the Fuliza ya Biashara limit determined?

    The assigned limit is based on your business's day-to-day financial transactions history and performance. Repayment behavior also influences the limit.

  3. What are the charges for using Fuliza ya Biashara?

    Fuliza ya Biashara incurs a 2% access fee on each disbursement and daily maintenance fees ranging from Ksh12 to Ksh250, depending on the withdrawn amount.

  4. Can defaulting on Fuliza ya Biashara impact creditworthiness?

    Yes, defaulting on repayments can lead to reduced limits and potential listing on Credit Reference Bureaus (CRB) after 91 days past the due date.

  5. How can business owners activate Fuliza ya Biashara?

    Fuliza ya Biashara can be activated via the USSD code *234# or the Mpesa App. Simply follow the prompts, and your assigned limit will be provided.

  6. Can Fuliza ya Biashara be used for various transactions?

    Fuliza ya Biashara can be used for transactions like paying mobile numbers/customers, withdrawing to M-PESA agents, paying bills, and more, even when your Mpesa funds are insufficient.

Joseph Richard Joseph Richard, a leading contributor to sledge.co.ke, uses his decade-long expertise in finance, business, and technology to offer clear, reliable guides and analyses. His work aids Kenyans in making informed financial and business decisions, earning him a reputation as a trusted industry authority.