When it comes to a small business, it might be relatively difficult to keep it going at all times. When it’s a bigger business, at least you have the assurance that there will be money coming from some directions.


However, if you have a small business, there will certainly be instances when your business may not go as smoothly as you hoped it would.

So, what are some mobile phone apps that are able to take you out of a bind? If you have to make an emergency payment and the revenue is not there, where can you reach out to get a very quick loan? Well, here are the best smartphone apps that seemed to have gained popularity among the people in Kenya:


Zenka is one of the most flexible phone apps, no matter if you have an Android phone or an iPhone. Its purpose is to give its clients more flexibility over their finances – and this is done through a relatively smooth process. You just have to register, apply for the loan, get accepted, and receive your money in your M-Pesa account. It’s fairly simple, even if you are a beginner.

Zenka will allow you to purchase sums from KSh 500 to KSh 20,000 – all depending on your income and your ability to pay it back. Bear in mind that the data you provide needs to be realistic and that you can actually pay back that money by the end of the month.

No registration fee is required for the Zenka loan app, and the interest rate is fairly good – considering that this is a payday loan. However, if you find yourself in a circumstance where you can’t keep up with the payments, then you might want to try out this app.


The Saida loan app is once more a popular option that can help you out when your small business is slow. If you have small business ideas in Kenya, then you can’t start anything without installing this app first. Since it allows you to secure loans directly on your phone, the process is smooth and quick for every business owner.

The loan amount that you can borrow is relatively flexible. You can borrow as little as KSh 500 – and up to KSh 25,000. The interest rate is fairly good, and you can get as little as 7.5% – which is decent, considering that the average for these apps is around 10%.

The repayment process is also fairly convenient – and compared to other apps where you have to pay until the end of the month, this one allows you to pay in as much as 3 months. This is convenient if you have a bigger loan to pay and you do not want to create a big hole in your budget.

There are also no penalties for early repayments – so, if you are having a “good business month,” you can finish it all up in just one transaction. This will also improve your chances of getting a bigger loan in the future if you are ever in need again of some quick cash.


Unlike other apps, Fadhili requires a KSh 350 registration fee if you want to activate your account. However, the perks outweigh this disadvantage, making it a fairly popular choice among Kenyans.

The Fadhili loan app is a good option if you need a loan, with amounts going from KSh 200 to KSh 100,000. It allows you to borrow more than the average app – making it a great option if you have a bigger hole to cover in your budget.

The app is also easy to install, and the application is generally accepted shortly. Your limit grows the more you pay on time – and it is based on the income and payment ability of your business. Bear in mind that this app will require a referee to help them determine whether you are a reliable source or not – but aside from that, the process should go smoothly.

Wrap Up

If you are bouncing small business ideas in Kenya, a loan app might actually be a good thing to get you started. Similarly, if you just need the money to cover a gap in your small business, the quick money should also come in handy. Just make sure that you have the means necessary to pay the loan back.

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