Fuliza for Business is the M-PESA overdraft for paybill holders. Estimate the cost over your expected days outstanding, including effective APR.
Result
Daily access fee
KES 100
Total fees
KES 700
Total to repay
KES 100,700
Effective APR
36.50%
When your paybill needs to make a settlement that exceeds the available balance, Fuliza for Business covers the shortfall up to your assigned limit. The daily access fee accrues each day until the paybill receives enough M-PESA inflows to settle the overdraft.
You need an active Safaricom paybill with consistent transaction history. Limits are assigned by Safaricom based on paybill volume and merchant tier.
The fee structure is similar: a daily access fee scaled by amount band, applied each day the balance is outstanding. Business limits and bands run higher than the personal product.
For 1 to 3 day shortfalls, often yes. For week-plus durations, a bank overdraft on the paybill's settlement account is typically cheaper. Compare both before settling on a financing approach.