Calculator
Fuliza for Business Calculator (Kenya, 2026)
KES 50,000 on Fuliza for Business for 30 days costs about KES 2,280total (2% disbursement fee + daily maintenance + 20% excise). Total repayable KES 52,280. Below: the full band reference, the worked example, and an interactive widget for any amount and days outstanding.
Worked example: KES 50,000 for 30 days
| Amount drawn on Fuliza for Business | KES 50,000 |
| Disbursement fee (2%, one-off) | KES 1,000 |
| Excise on disbursement fee (20%) | KES 200 |
| Daily maintenance (KES 30 × 30 days) | KES 900 |
| Excise on maintenance (20%) | KES 180 |
| Total cost | KES 2,280 |
| Total repayable | KES 52,280 |
Effective cost over the 30-day borrow: 4.6% of principal. Annualised roughly 55% APR, expensive as a habit, tolerable as an emergency settlement float.
Fuliza for Business daily maintenance band table
| Outstanding amount band (KES) | Daily maintenance fee |
|---|---|
| 1 to 1,000 | KES 3 |
| 1,001 to 2,500 | KES 5 |
| 2,501 to 5,000 | KES 10 |
| 5,001 to 10,000 | KES 15 |
| 10,001 to 25,000 | KES 20 |
| 25,001 to 70,000 | KES 30 |
| 70,001 and above | Tiered per Safaricom business tariff |
Plus a 2% one-off disbursement fee per drawdown and 20% excise on the maintenance total. Source: Safaricom Fuliza for Business tariff. Verified 30 August 2026.
When Fuliza for Business is the right tool
Fuliza for Business exists to keep merchant settlements moving when a payout is short by hours or days. If a supplier disbursement fires before customer collections clear, Fuliza bridges the gap and repays itself automatically from the next incoming M-PESA transaction.
The 2% disbursement fee makes Fuliza for Business expensive for extended borrowing. A KES 50,000 draw held for 5 days costs roughly KES 1,300. Held for 30 days it costs roughly KES 2,300. Held for 90 days, it becomes cheaper to use a bank overdraft or KCB Biashara loan.
Use Fuliza for Business for emergency float, not for working capital. For longer-term business credit (30 days or more), pursue a formal facility from your bank, a merchant cash advance, or a SACCO business loan; those are structured for repayment schedules, Fuliza is not.
Try your own numbers
Enter any Fuliza for Business amount and number of days outstanding. Effective APR is computed on the total cost over the term.
KES
days
Result
Total to repay
KES 100,210
Daily access fee
KES 30
Total fees
KES 210
Effective APR
10.95%
Effective APR · Fuliza for Business
~280%/yr
Published as 2% disbursement + banded daily maintenance, but annualised that's ~280% APR, the headline rate hides the true cost.
Fuliza for Business behaves like a very short-tenor merchant overdraft. Cheap for hours, expensive for weeks. Above 30 days the effective APR climbs into low-triple digits.
Cheaper alternatives at this term
- KCB Biashara loan: ~14-16% p.a., structured repayment
- Equity Eazzy Biz: overdraft priced at prime plus a margin
- SACCO business loan: 12-14% p.a. on reducing balance
- Supplier credit: usually free, negotiate terms first
What is Fuliza for Business?
Fuliza for Business (Fuliza Biashara) is the paybill/till overdraft: when a customer pays your business and your merchant account is short of the settlement amount, Fuliza covers it up to your assigned business limit. Repayment is automatic from incoming M-PESA collections.
How is Fuliza for Business calculated?
Total cost = 2% disbursement fee (one-off, per Fuliza drawdown) + daily maintenance fee (banded by outstanding amount) × days outstanding + 20% excise on the maintenance total. Access fee is charged once per overdraft, maintenance accrues per day.
What does KES 50,000 on Fuliza for Business for 30 days cost?
Approximately KES 2,320. Disbursement fee 2% = KES 1,000, daily maintenance in the 25,001-70,000 band ≈ KES 30/day × 30 = KES 900, excise 20% on maintenance = KES 180, total KES 2,080 + 12% VAT/other on the 2% disbursement fee ≈ KES 240 stack. Actual prompts can vary slightly by band.
What is the maximum Fuliza for Business limit?
Limits are assigned by Safaricom based on merchant transaction history and are reviewed monthly. Most active businesses see limits between KES 10,000 and KES 500,000. Top-tier businesses can reach limits into the millions.
Is Fuliza for Business cheaper than an M-Shwari business loan?
For short gaps (1 to 5 days), yes. For anything running longer than a week, no. Fuliza for Business is priced like an emergency float; longer credit is better handled through KCB Biashara or Equity Eazzy Biz loans.
Does Fuliza for Business affect my CRB status?
Outstanding balances beyond Safaricom's stated escalation window (typically 91 days) are reported to CRB. Prompt automatic repayment from incoming collections is the normal case and does not affect CRB.