Calculator
Fuliza Biashara calculator (Fuliza for Business)
KSh 50,000 on Fuliza Biashara for 30 days costs KSh 7,000: the 2% access fee plus KSh 200 a day. Every figure here comes from Safaricom's own Fuliza Biashara tariff. Put in your own amount and days below.
Worked example: KSh 50,000 for 30 days
| Amount overdrawn | KSh 50,000 |
| Access fee (2%, once per disbursement) | KSh 1,000 |
| Daily maintenance (KSh 200 x 30 days) | KSh 6,000 |
| Total cost | KSh 7,000 |
| Total repayable | KSh 57,000 |
That is 14% of the amount in a month. Clear the same overdraft in five days and the cost drops to KSh 2,000, most of it the access fee. Safaricom's FAQ does not say whether excise is added on top of these figures, so we have not added any.
Safaricom's daily fee table
| Amount owed (KSh) | Daily maintenance fee |
|---|---|
| 1 to 999 | KSh 0 |
| 1,000 to 2,499 | KSh 12 |
| 2,500 to 5,000 | KSh 30 |
| 5,001 to 15,000 | KSh 50 |
| 15,001 to 35,000 | KSh 150 |
| 35,001 to 70,000 | KSh 200 |
| 70,001 to 100,000 | KSh 250 |
| 100,001 to 400,000 | KSh 250 |
Plus a 2% access fee on every disbursement. Source: Safaricom, Fuliza Biashara FAQ, last updated 9 June 2025, read 25 October 2026.
When it makes sense
Fuliza Biashara is for a till that is short for a day or two, say a supplier payment that goes out before the day's collections come in. Repayment comes off the till automatically as customers pay.
Held for weeks it gets expensive fast, because the daily fee keeps running. If you need the money for a month or more, a bank or SACCO business loan with a set repayment plan will usually cost less. Ask for the total in writing and compare it with the figure above.
To opt in, Safaricom says to dial *234# from the till's nominated number, choose M-PESA Business Till, then Business Loans, then Fuliza Biashara. Selling on Pochi la Biashara instead? See Fuliza ya Pochi.
Try your own numbers
Enter the amount you overdraw and how many days it stays unpaid.
KES
Safaricom's tariff table stops at KSh 400,000.
days
Result
Total to repay
KES 52,400
Access fee (2%)
KES 1,000
Daily maintenance fee
KES 200
Total fees
KES 2,400
Effective APR
250.29%
Effective APR · Fuliza Biashara
~170%/yr
Published as 2% access fee + daily fee by band, but annualised that's ~170% APR, the headline rate hides the true cost.
Worked out on KSh 50,000 held for 30 days. Clear it faster and the daily part shrinks, but the 2% access fee is charged every time.
Cheaper alternatives at this term
- A bank business overdraft or term loan
- A SACCO business loan
- Supplier credit, agreed in advance
What is Fuliza Biashara?
Fuliza Biashara, also called Fuliza for Business, is Safaricom's overdraft on an M-PESA Business till. When the till is short, it covers the payment up to the limit assigned to you. Pochi la Biashara wallets cannot use it; they have Pochi Fuliza instead.
How much does Fuliza Biashara cost?
Safaricom charges a 2% access fee on every disbursement, plus a daily maintenance fee that depends on how much you owe: KSh 0 below KSh 1,000, rising to KSh 250 a day above KSh 70,000.
What does KSh 50,000 on Fuliza Biashara cost for 30 days?
KSh 7,000. The access fee is KSh 1,000, and KSh 50,000 sits in the KSh 35,001 to 70,000 band at KSh 200 a day, so 30 days add KSh 6,000. Cleared in five days instead, it costs KSh 2,000.
What is the maximum Fuliza Biashara limit?
Safaricom assigns each till its own limit and does not publish a standard one. Its tariff table stops at KSh 400,000.
How is Fuliza Biashara repaid?
Automatically. Safaricom deducts repayments from money paid into the till every 30 minutes and keeps retrying until there is money. It is payable within 30 days.
Does Fuliza Biashara affect my CRB status?
Only if you fall behind. Safaricom says an unpaid business loses access, has its limit cut, and can be listed on CRB 91 days after the due date.