Running a small business in Kenya often comes with financial challenges, especially when you need quick cash to restock, cover unexpected costs, or grow your operations. Safaricom has introduced a simple solution through the M-Pesa Taasi Pochi loan.
This service is designed for business owners using the Pochi la Biashara service, giving them access to short-term credit without the need for collateral.
In just minutes, you can borrow and receive money directly in your Pochi wallet. Here’s everything you need to know.
Understanding how to access M-Pesa Taasi Pochi loans
The M-Pesa Taasi Pochi loan is a credit facility tailored for small business owners who rely on Pochi la Biashara. It allows eligible users to borrow between KSh 1,000 and KSh 250,000 depending on their business activity and repayment history.
The loan is disbursed instantly after approval, making it one of the fastest and most convenient lending services in Kenya.
You can access this loan in two main ways – through the USSD code *334# or directly from the M-Pesa app. Both methods are easy, safe, and quick to use.
How to apply using the USSD option
If you do not have internet access or prefer a simple method, you can apply through your mobile phone’s USSD menu. Follow these steps:
Dial *334# on your Safaricom line.
Select option 8 (Pochi la Biashara).
From the menu, choose option 6 (Taasi Pochi).
Follow the prompts displayed on your screen.
If you qualify, select your preferred loan amount.
Confirm the application and the money will be sent to your Pochi wallet instantly.
This option is convenient for business owners in areas with limited internet connectivity, ensuring you can still access credit when needed.
How to apply using the M-Pesa app
For those who prefer a digital experience, the M-Pesa app makes it seamless. Here is the process:
Download and install the M-Pesa app from Google Play or the Apple App Store.
Open the app and sign up with your Safaricom number and ID details.
Create a secure PIN to protect your account.
Once logged in, go to Financial Services and tap View All.
Scroll through the list and select Taasi Pochi.
Enter your M-Pesa PIN to check if you qualify.
Choose the amount you want to borrow and confirm.
Funds will be transferred immediately to your account, allowing you to keep your business running smoothly.
Eligibility and repayment requirements for M-Pesa Taasi Pochi loans
Not every Pochi la Biashara user will automatically qualify for a Taasi Pochi loan. To be eligible, you must have used the Pochi service actively for at least six months. Safaricom also reviews your transaction activity and repayment history before granting approval.
The repayment period ranges from seven to 30 days, giving you flexibility depending on your business needs. Unlike traditional bank loans, you do not need collateral or guarantors, which makes this facility suitable for micro and small enterprises. Timely repayment improves your chances of qualifying for higher loan amounts in the future.
What is the difference between Taasi Pochi and Taasi Till
Apart from Taasi Pochi, Safaricom also offers the Taasi Till loan. This is designed for business owners who use Lipa na M-Pesa tills. The facility allows you to borrow up to KSh 250,000 with a repayment period of one month. Both loans target entrepreneurs but cater to different payment platforms under the M-Pesa ecosystem.
Key takeaways for business owners
To qualify, you must use Pochi la Biashara consistently for at least six months.
Loan amounts range between KSh 1,000 and KSh 250,000, depending on your business activity.
You can apply via USSD *334# or through the M-Pesa app.
No collateral is needed, and the funds are disbursed instantly.
Repayment periods range between seven and 30 days, providing flexibility for small businesses.
Wrapping Up
For many small businesses in Kenya, access to quick financing can be the difference between growth and stagnation. The M-Pesa Taasi Pochi loan provides a reliable, fast, and affordable solution.
Whether you apply through the app or USSD code, you can secure funds without complicated paperwork or long approval times. By maintaining a strong repayment record, you can unlock higher loan limits and build financial stability for your business.
