Jiwambe

Jiwambe is a web-based credit platform for riders, drivers, entrepreneurs, and homeowners in Kenya who need financing for e-motorbikes, home products, and business tools.

Key capabilities include:

• Online application in about 5 minutes, with requirements such as a valid ID, proof of income, and 2 guarantors
• Asset financing for work and home, including e-motorbikes for boda-boda, delivery, and personal use, plus solar panels, tools, and home improvements (for example roofing, plumbing, and fencing)
• Pay-as-you-earn repayment options, offering daily or weekly payments designed to match income patterns; e-motorbike financing starts from 500 KES/day
• Fleet programs that pair e-motorbike access with guaranteed rides through delivery partners (fleet taxi and fleet courier)

Available on Web.

It targets B2C customers in Kenya, especially boda-boda riders, delivery riders, drivers, small business operators, and households funding smaller home projects.

The product is notable in Kenya’s e-mobility and consumer finance space for focusing on electric motorcycle financing and partner-backed fleet earning programs; it has also raised $14.5 million from Sequoia Capital and Target Global.