
pesa pata offers flexible affordable loans to individuals and businesses

Revolutionizing Lending & Borrowing
Why we do it...
Build our own...
At PesaPata we believe in the spirit of community, where you and I grow by building our own, through focusing resources to fund sustainable initiatives, businesses or meeting various financial needs
Innovate for change
Through our platform we match the financial needs of borrowers with the capacity of lenders in the community by use of technology that leverages on social ethos
Simple yet smart investments
As you and I build and transform the community, so shall our efforts be rewarded.Our social platform ensures investing is simplified, smart and rewarding

PESAPATA
Our inspiration at PesaPata is to enable you to receive cash everywhere you are.
The PesaPata platform guarantees just that... hassle-free loans...
Get started on PesaPata...
1.
Get the webapp by clicking on this link https://app.pesapata.com
OR
Download the PesaPata app on
or
2.
Register your details on the PesaPata app
3.
Choose your immediate interest...Lend Now or Borrow Now..





Our features
Pesa Pata allows you to...
Earn interest
earn 0.4% interest per day on loans issued
Lend and borrow money
lend and borrow money on a secure platform
Credit score evaluation
lend to creditworthy clients evaluated on CRB and our scoring engine
Real time transactions
money is sent to your mobile wallet instantly
Instant loan access
after downloading the app. you can immediately start lending and borrowing
Exquisite and simple design
the app. has a user friendly interface and is easy to download and install
OUR OTHER PRODUCTS...
269 is a peer to peer platform from Pesa Pata ventures ltd that allows lenders and borrowers to enjoy significant
efficiencies in financial services over the traditional banking model.
Through the platform and focusing on the social capital aspect, lenders can access a diverse pool of borrowers to whom they can lend to
Investors on the 269 platform act as agents who lend money through their online accounts and earn significant returns on their investments. Benefits to the investor include:
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Earnings of kes.4000 per loan issued
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Commissions paid on disbursal of loan
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Agents are able to lend more than 60% of their subscription fee
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No account restrictions - one can be an agent and a client at the same time
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Unlimited number of agent accoounts
While borrowing on the 269 platform you enjoy the following benefits:
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Access to short-term loans of up to Kes.20,000
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Loans are accessible within seconds
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Affordable loan rates
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Reasonable repayment durations
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It is mobile based hence convenient
Partnership level | Subscription fee | Weekly loans | Monthly loans | Weekly repayment | Weekly agent income | Annual income |
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Certificate | 5000 | 2000 | 8000 | 650 | 400 | 20800 |
Bronze | 10000 | 4000 | 10000 | 1300 | 800 | 41600 |
Silver | 20000 | 8000 | 32000 | 2600 | 1600 | 83200 |
Titanium | 25000 | 10000 | 40000 | 3250 | 2000 | 96000 |
Rhodium | 30000 | 12000 | 48000 | 3900 | 2400 | 124800 |
Platinum | 40000 | 16000 | 64000 | 5200 | 3200 | 166400 |
Gold | 50000 | 20000 | 80000 | 6500 | 4000 | 208000 |
How it works...
For the first time agent
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Select option 1 for lend and earn
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Since you do not have an active account, press 1 to proceed
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Select the agent level you want to join (silver, gold)
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Select option 1 to proceed
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You will receive a message to send money to the 269 paybill with the corresponding account number
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After account creation, you will now be able to accept a client by entering the national ID number in selection 1 of the home menu
For the client
The client must know the agent and the agent's number
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Dial *269#
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Select 2. Get a loan
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Enter your agent's mobile number
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Read Terms and Conditions and accept
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You will be deducted KES.100 from your M-PESA. Once your agent approves your loan, it will be sent to your M-PESA.

Pesa Pata platform has enabled small business owners to secure finances to grow their business
"Pesapata has assisted me in expanding my green grocery stall."
Mary, Kenya.
Who we are...

We are a peer to peer lending platform seeking to provide our communities with an alternative form of funding from the conventional banking model. Our desire lies in financial inclusivity for all by empowering the financially underserved through affordable credit within flexible repayment terms.
Through our platforms, Pesa Pata and 269, borrowers have access to credit at reasonable terms while lenders providing funds enjoy juicy returns on their investments.
Our model utilises the aspect of social capital where we believe in the strength of communities building and sustaining themselves since people funding and borrowing the loans are just like you and me and the platform serves to connect both.
Our Vision
To be the preferred person to person lending platform in Africa.
Our Mission
We leverage technology to create a platform that offers exceptional return on investment to lenders and other stakeholders while affording borrowers quick,accessible and affordable loans.
Our Corporate Social Responsibility Pledge...
We are passionate about our community and creating an impact in Africa.
In this regard, we have taken part in various CSR projects in a bid to restore hope in humanity and strengthen our communities by fostering civic, social and economic opportunities.
Currently, we have a ‘Feed a Family’ program that aims to provide food and nutrition to families who live in slums. The group targets children (mainly orphans), people living with disabilities and the elderly who lack caregivers. The program is fully fledged and is run on a daily basis. The slums impacted include Huruma, Mathare, Mukuru kwa Njenga and Kwa Reuben
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Meet The Team

Joyce Wangui
Founder and Director at Pesa Pata. She is a graduate in International Business Administration (Finance) from USIU. She runs other several successful businesses.

Samson Wachira
Co-Founder and Head of Strategy. He holds a masters in Integrated Engineering from the University of Liverpool. A technology enthusiast and entrepreneur.
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Who we are...We have won several accolades. In 2013, we were recognized as the winner of the CIO Plus awards for best innovation in the Financial Services Sector. We have been approved by Central Bank of Kenya as a Credit Provider as per caption 23(2) of the Credit Reference Bureau Regulation 2013. We have recently been awarded the ISAQ Award in the Gold Category on the basis of the criteria of the QC100 Total Quality Management Model
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What is peer to peer lending?Peer-to-peer lending, also known as marketplace lending, is an innovative concept which involves of the direct matching of lenders and borrowers via a peer-to-peer lending platform like PesaPata. This enables lenders to enjoy far better returns and borrowers to enjoy low cost loans without the sneaky fees charged by traditional financial institutions. Peer-to-peer lending continues to grow exponentially and is at the heart of the alternative finance movement.
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I want to be an agent. I understand that I can earn up to Kes. 200,000 per month. However it sounds too good to be true..."You will earn your commissions when you lend money to your clients. Become a Pesa Pata agent today and experience your extra income.
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I am very interested in becoming a Pesa Pata agent. I do not have the initial entry fee...Upon expressing interest, Pesa Pata may get you an angel investor to put up the entry fee for you. This means splitting the commission with the angel investor. The investors typically start off with a entry fee amount of Kshs 5,000. Upon success, the investors will then continue to top up your entry fee amounts.
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I want a loan from Pesa Pata...You can also earn by borrowing money from Pesa Pata. As a Pesa Pata agent, you can lend money to other people AND at the same time borrow money from the platform. You are able to earn at the same time
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I have the entry fee. I do not want to lend the money myself...In Kenya, half of the working population is unemployed. You may decide to create an impact by providing job creation for someone who is unemployed. You can put up the entry fee amount and get them to operate the account. You will then split the commissions with the person whom you have employed. For example, if you put up a entry fee amount of Kshs 5,000-the commissions you should get per month are Kshs 1,600. You may decide to give Kshs 800 to the person operating the account. The Pesa Pata platform has automated this process and has the capability to give you the full view of your accounts and respective clients.
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Is entry fee refundable?The entry fee is a one-time fee that is non-refundable. If you get into a supermarket and buy soap, you exchange the soap with money. When you get home, you do not go back to the supermarket to claim your money back by returning the soap. Our business operates with the same principle. Our credit facility ensures that you recover the entry fee within the first 13 weeks through the commissions. For the remaining life of the account, you are then operating with profits. For example, if you put up a entry fee amount of Kshs 5,000, earning Kshs 400 per week, it means that you will recover the amount in 13 weeks. The other benefit is that the entry fee allows you to operate for upto 5 years without requiring the need for a top up. Additionally, if you no longer wish to run the Pesa Pata platform, the accounts may be transferred to another individual.
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I have been an active Pesa Pata agent. I don't have the resources to add an aditional entry fee...The company will assist you to look for angel investors who may decide to top you up with the entry fee you seek. Angel investors look out to invest in agents who have demonstrated commitment and have a good track record.
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How much do I need to invest to become an agent?You can become a pesa pata agent by investing as little as ksh. 5000
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I need an agent to whom I can borrow a loan from...The FAQ title can be adjusted in the settings tab of the App Settings. You can also remove the title by unchecking its checkbox in the settings tab.
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How do I become a member of this system?To become a member, start by dialing *269# proceed by accepting the terms and conditions.
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What is the procedure of getting a loan?First get in touch with a pesapata agent from your locality,allow the agent to visit and assess your business and your guarantor to determine how much you qualify to borrow,the agent with then proceed to process the loan for you.
Having a meeting or interview at PesaPata?
We are located at:
Jasmine Centre, Westlands
Nairobi
Kenya