Pezesha

Pezesha is a digital credit and embedded finance platform that helps micro and small enterprises (MSMEs) access working capital and related financial services, primarily in Kenya and Uganda.

Key capabilities include:

• SME lending marketplace that connects vetted small businesses to multiple funding partners (including banks, microfinance institutions, and investors) for business loans.
• Alternative credit scoring (Patascore) that assesses creditworthiness using signals such as mobile data, transaction history, and behavioral patterns, supporting borrowers without traditional collateral or formal credit history.
• Embedded finance integrations that let partner platforms offer credit inside existing merchant workflows, plus APIs and Credit Scoring APIs for third-party integration.
• Digital onboarding and KYC, plus financial education modules aimed at improving business skills and helping SMEs build stronger credit profiles.

Available on Android (Pezesha 2.0 app) and Web (webapp.pezesha.com), with API access via developer documentation.

It serves MSMEs applying for business financing (including Biashara Loan and supply chain finance for inventory credit), and also supports B2B partners such as marketplaces, supply chain businesses, and financial institutions that want to embed SME credit into their platforms.

In the Sub-Saharan African MSME finance context, it is notable for its CBK Digital Credit Provider licensing and for operating an embedded partner network (15+ partners) that has supported 200,000+ registered SMEs and 400,000+ loans distributed, based on the published platform metrics.