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.

Cowdi app
Cowdi

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.

Wallet

Deposit, withdraw, and pay via M-Pesa. Earn daily interest on your balance.

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Credit

Working capital from KES 5,000 to 150,000.

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Payments

Send money to anyone. No hidden fees.

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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

Cowdi merchants

Frequently asked questions