COMING SOON TO KENYA
Your business deserves
real financial tools.
One app, no hidden fees.
Wallet, credit, and payments built for micro and small enterprises across Africa.
Trusted by merchants and regulated by the CBK
Unlock your potential with credit.
Spend now, pay later with fair fees.
From inventory financing to working capital, get the credit your business needs to grow. Spend now, pay later with fair fees.
Built for Africa
By people who understand your hustle.
Cowdi works with partners across Kenya to provide affordable credit and financial tools tailored to micro and small businesses.
No paperwork. No branch visits. Just your mobile phone.
KES 5K–150K
Credit range
7–30 days
Loan term
Via M-Pesa
Repayment
Zero
Hidden fees
Frequently asked questions
How do I open a Cowdi account?
Currently, the Cowdi app is in the testing phase. You can sign up for the waitlist on our website.
When will Cowdi be available to the general public?
We're gradually rolling out Cowdi to our waitlisted customers. We'll announce a public launch date once we've completed our testing phase.
How much credit can I borrow?
As a new client, you can borrow up to KES 150,000. You can increase your borrowing limit by making repayments on time and keeping a good repayment history.
How do I make a repayment?
You can make a repayment to our M-Pesa Paybill number. You can find the Paybill number on the Cowdi Mobile App.
How can I spend my Cowdi credit?
You can make M-Pesa payments.
How can I increase my borrowing limit?
You can increase your borrowing limit by making repayments on time and keeping a good repayment history.