Run your business money — and become ready for credit
Kiwango gives your shop, farm, salon or transport business a simple way to record what you sell and what you spend, starting from your M-Pesa, MTN MoMo and Airtel Money movements. You see how your business is doing — and when you need money to grow, your cooperative can answer faster because your records are already there. Kiwango does not lend; your SACCO decides on every loan.
What you get
Your sales and expenses, written down once
Your M-Pesa, MTN MoMo and Airtel Money movements appear as suggestions — you just confirm them. Cash sales take one tap to add.
See what comes in, goes out and stays
Week by week and month by month, in plain language. No accounting training needed.
Know who owes you and what you owe
Keep track of customers who pay later and suppliers waiting to be paid, with gentle reminders.
A profile that gets you credit faster
A simple meter shows how ready you are. The more complete your records, the faster and better your cooperative can answer.
Season and weather understood
A slow harvest season reads as normal for your trade, not as a warning sign. Mitigation like irrigation or insurance counts in your favour.
You decide what you share
Your records stay yours. You switch sharing with your SACCO on — and you can switch it off whenever you want.
How it works
- 1
Create your business account
Use the email your cooperative has on file for you, and set a password.
- 2
Record your money
Confirm mobile money movements, add cash sales and expenses, note stock purchases.
- 3
Ask your SACCO for credit
When your profile is complete enough, request a loan from your cooperative — your records travel with the request.
Start with today's sales
It takes a few minutes. Your cooperative sees only what you choose to share.