Borrow
KSh 1,000 – 20,000 for stock, school or an emergency. Paid to your phone, in full.
See the loans
Fast, fair credit · Chebole, Bomet County
BiiTrust
Fair loans. Fast M-Pesa. Real people.
Loans from KSh 1,000 to 20,000 sent straight to your M-Pesa — one flat rate you see before you sign, small weekly instalments, and no deductions from what you receive.
- Paid to M-Pesa
- Rates published
- Data Protection Act
Repay
Paybill 4050329, account 3907# and your ID — or tap Repay in the member portal.
How to repayGrow
Pay on time and move up — Starter, Flex, then Biz — with a bigger limit each step.
Start todayStart small. Grow with every repayment.
Four products, one promise: you see the full cost before you sign.
Starter Loan
KSh 1,000 to 4,000
Stock top-ups, school shopping and small emergencies.
- 3 weekly instalments
- 20% flat for the whole term
Flex Loan
KSh 5,000 to 12,000
Growing traders who repay on time and need a bigger float.
- 4 weekly instalments
- 18% flat for the whole term
Biz Loan
KSh 13,000 to 20,000
Bulk stock, equipment repairs and seasonal buying.
- 6 weekly instalments
- 16% flat for the whole term
Asset Financing
KSh 50,000 to 2,000,000
Motorbikes, machines and business equipment, secured by the asset.
- Monthly, up to 24 months
- 22% a year on a reducing balance
Repayment calculator
See exactly what you repay — before you apply.
Weekly instalment
KSh 1,475
for 4 weeks
- You receive on M-Pesa
- KSh 5,000
- Interest (18% flat)
- KSh 900
- Total you repay
- KSh 5,900
- Application fee, paid once
- KSh 200
Estimate for illustration. A one-off KSh 500 registration fee applies to new members. Final terms are confirmed in your loan agreement.
From first visit to M-Pesa in four steps.
- 01
Register once
Visit the branch or meet an officer with your National ID, and pay the one-off KSh 500 registration fee.
- 02
Apply
Choose a loan and an amount. Your officer looks at your business and confirms the terms with you.
- 03
Receive on M-Pesa
Once approved, the full amount goes to your registered Safaricom number. Nothing is deducted.
- 04
Repay weekly
We remind you two days before each instalment. Pay by Paybill or tap Repay in the portal.
Repaying is simple
Pay from any Safaricom line, any time.
Use your National ID number as the account so the payment lands on your loan automatically — even when someone else pays for you.
Full repayment guideM-PESALipa na M-Pesa · Pay Bill
Business no.4050329
Account no.3907#your ID number
Example3907#12345678
Amountyour instalment
You get an SMS receipt as soon as the payment is posted.
Lending the way we would want to borrow.
Honest pricing
One flat rate for the whole term, written on your agreement. The amount approved is the amount you receive.
A real officer
Every member has a named loan officer from their own branch who knows their business — not a call centre.
On your phone
Check your balance, see what is due and repay with an M-Pesa prompt in the member portal, day or night.
What people ask us most.
Can’t find your answer? Talk to us.
All questionsWho can borrow from BiiTrust?
Any Kenyan adult with a National ID, a registered Safaricom line and a business or regular income. You register once at a branch or through an officer, pay the KSh 500 registration fee, and you can apply.
How fast do I get the money?
Once your application is approved the full amount is sent straight to your M-Pesa — nothing is deducted from it. Your officer tells you when to expect it.
How is the interest worked out?
Starter, Flex and Biz loans use a flat rate for the whole term — for example a KSh 5,000 Flex Loan at 18% means you repay KSh 5,900 in 4 equal weekly instalments of KSh 1,475. Nothing is deducted from the amount you receive. Asset Financing uses a reducing balance, so interest falls as you pay.
How do I repay?
Pay through M-Pesa Paybill 4050329. For the account number enter 3907# followed by your National ID number, e.g. 3907#12345678. You can also tap "Repay" in the member portal to get an M-Pesa prompt on your phone.
What happens if I pay late?
We send you a reminder before every instalment is due. If an instalment is more than 3 days late a small late charge applies per overdue instalment, and repeated late payment limits the next loan you qualify for. Talk to your officer early if you are struggling — we would rather reschedule than penalise.