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Tushop Credit · with Pezesha

Stock up now.
Pay in 30 days.

Credit for restaurants, caterers, hotels and businesses that buy on Tushop. Apply in about 5 minutes and get a decision from Pezesha within 24–48 hours. Get up to KSh 200,000.

Apply nowSee rates

Credit is provided by Pezesha, our licensed lending partner.

Tushop Creditby Pezesha

Available to spend

KSh 48,500

of KSh 60,000 limit

This week's order

  • Cooking oil, 20 L × 26,400
  • Rice, 25 kg × 13,150
  • Fresh produce box1,950
  • Up to 30 days

    to pay for your stock

  • 24–48 hours

    for a credit decision

  • One delivery

    dry goods, fresh produce and supplies

  • Grows with you

    pay on time and your limit goes up

How it works

You apply on Tushop. Pezesha, our lending partner, reviews your application and sets your limit. Then you order and pay later.

  1. 1

    Apply in about 5 minutes

    Tell us about your business, add your ID details and upload 6 months of M-Pesa or bank statements.

  2. 2

    Pezesha reviews in 24–48 hours

    Pezesha checks your statements and sets your credit limit. We'll send the result to you by SMS.

  3. 3

    Order now, pay later

    Your limit loads into your Tushop wallet. Order what you need and repay by M-Pesa before the due date.

Simple, upfront rates

Pezesha sets the rate. You see the full cost before you accept any credit.

  • Pay in 14 or 30 days

    3.5% – 5.8%

    Depends on your repayment period (14 or 30 days) and your business.

    On a KSh 50,000 order: KSh 1,750 – 2,900

    Late fees apply
  • For women-led businesses

    30 days, interest-free

    You may qualify through Pezesha's program with Mastercard Foundation. We check eligibility when you apply.

    Late fees apply

What you'll need

Have these ready and the application takes about 5 minutes.

Apply now
  • Your national ID number
  • The phone number you use for M-Pesa
  • 6 months of M-Pesa statements, or 6 months of bank statements (at least one)
  • Your business name and location
Apply now

Need stock today?

You can still order now and pay upfront by M-Pesa as usual while Pezesha reviews your application.

Shop now

Questions

Pezesha, our licensed lending partner. Pezesha reviews your application, sets your limit and owns the loan. Tushop handles your orders and deliveries.

Once Pezesha approves you, you get an SMS and the limit shows up in your Tushop wallet. At checkout on the Tushop app, you choose “Pay with Tushop Wallet”.

By M-Pesa paybill. Before the due date, you will receive an SMS from Pezesha that will guide you on how to repay your credit.

Pezesha uses 6 months of transactions to understand your business and set a fair limit. We only share them with Pezesha, and only after you agree.

Dial *334#, choose My Account, then M-PESA Statement. Pick 6 months, enter and confirm your email, and approve with your M-PESA PIN. Or open the M-PESA app, go to M-PESA Statements and choose 6 months. Safaricom emails the statement as a PDF, usually within a few minutes, and sends its password to you by SMS. Upload the PDF and enter that password in your application.

Each time you repay on time, Pezesha reviews your limit and can raise it.

The applicable interest rate is charged once on the principal at the time the loan is issued. The total amount repayable remains the same regardless of whether the loan is repaid on the first day or the last day of the repayment period. The rates are: 14-day loan: 3.50% of the principal. 30-day loan: 5.80% of the principal.

Yes. You get 2 extra days after your due date with no penalty. After that, Pezesha charges 1% per day on the amount you still owe, for up to 7 days. The penalty replaces interest while you are late, so no extra interest is added. For example, if you still owe KSh 20,000 and pay 3 days after the 2 extra days end, the penalty is KSh 600.

Get your stock now. Pay when your customers pay you.

Apply now

Credit is provided by Pezesha. Tushop is not a lender.

Pezesha terms and conditions

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