Fuliza ya Biashara – Everything You Need to Know

As a Safaricom and KCB bank product, Fuliza ya Biashara is a credit facility available to business owners on the M-PESA Business till. It helps them complete transactions if they have insufficient funds in their M-PESA Business tills. This service is open to all businesses registered on the M-PESA platform apart from Pochi, provided they meet the qualification criteria.

This article will show you how to Fuliza Bishara in quick, easy steps. Let’s get started.

How Does Fuliza ya Biashara Work?

Like Fuliza Mpesa, Fuliza Biashara allows you to complete the following transactions when you have insufficient funds in your Mpesa business Till.

  • Pay to a mobile number/customer.
  • Withdraw to M-PESA agent.
  • Pay bills via Lipa na Mpesa
  • The Pay to another Buy Goods till
  • Withdraw to the nominated number.

To use the service, business owners must activate it first by opting in. Once you have successfully opted into Fuliza Biashara, you will be assigned a limit. The limit is based on your business’s day-to-day financial transactions history and performance. Your limit will be raised or lowered based on performance and repayment.

The service charges a two percent (2%) daily fee for up to 29 days and a daily maintenance fee ranging from Sh12 to Sh250 based on the amount withdrawn. Repayments are made automatically from collections made to the till every 30 minutes.

If you do not pay your Fuliza loan on time, your limit will be reduced, and eventually, you will be listed on the CRB after 91 days of your due date.

Fuliza Biashara Charges and Tariffs

As shown below, it will cost you a 2% access maintenance fee on your Fuliza outstanding balance.

Daily Maintenance Fees Access Fee for every Disbursement
Band KSh Tariff in KSh Tariff
1 – 999 0 2%
0 -2,499 12
2,500 – 5,000 30
5,001 – 15,000 50
15,001 – 35,000 150
35,001-70,000 200
70,001 – 100,000 250
100,001-400,000 250

Requirements for Qualification

To qualify for the facility after opting into the service, business owners must have been actively using their M-PESA Business Till for over six months.

How to Activate Fuliza ya Biashara

There are two ways to activate Fuliza Biashara: Via the Fuliza ya Biashara USSD code and the Mpesa App.

Via USSD Code

  • Dial *234# from the nominated number.
  • Select M-PESA Business Till
  • Next, enter HO/Store Number
  • Select Business loans and,
  • Then, select Fuliza ya Biashara.
  • Select Join Now
  • Accept Terms & Conditions
  • Next, enter the Operator ID and PIN, and lastly, select the accept menu option.
  • Your overdraft limit will then be shown.
  • Select Transact to use the assigned limit.

Via Mpesa App

  • Download and install the Mpesa Business App from Google Play Store.
  • Open the app and select the “Transact” menu option.
  • Next, select “Fuliza ya Biashara” and accept the terms and conditions.
  • Your fuliza limit will then be displayed shortly
  • Follow the systems prompt to complete your transactions

How to increase Fuliza ya Biashara Loan Limit

Safaricom recommends that its customers use Lipa na M-PESA for payments. The more customers transact using this service, the higher their transaction limit will become.

Final thoughts

Fuliza ya Biashara is an excellent credit facility for business owners to complete their transactions even when they have insufficient funds in their M-PESA Business Till. To get the most out of this service, make sure you meet the requirements for qualification and use it responsibly by making payments on time.

Simon Mwangi
Simon Mwangi
As a freelance writer with a background in banking and accounting, Simon has the financial know-how to produce quality content on various topics. His experience gives him a strong foundation in understanding complex financial concepts and communicating them in an easy-to-understand way. Follow him on Linkedin



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