---
title: "Pezesha: Business Loans and Credit Scoring APIs"
description: "Get working capital and inventory credit for MSMEs in Kenya & Uganda, or embed lending via APIs. Patascore uses mobile & transaction data."
canonical_url: "https://liners.com/pezesha"
markdown_url: "https://liners.com/pezesha.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/pezesha/screenshot.webp?v=1772383281101"
published_at: "2026-03-01T17:35:59.770Z"
updated_at: "2026-08-25T03:01:37.458Z"
---

# Pezesha: Business Loans and Credit Scoring APIs

Get working capital and inventory credit for MSMEs in Kenya & Uganda, or embed lending via APIs. Patascore uses mobile & transaction data.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Pezesha](/pezesha)

## Summary

Working capital and inventory credit for small businesses

An embedded finance platform that connects MSMEs in Kenya and Uganda to working capital and inventory credit through partner marketplaces and lenders.

## Product details

| Field | Value |
| --- | --- |
| Website | https://pezesha.com/ |
| Tagline | Working capital and inventory credit for small businesses |
| Primary country | Kenya |
| Platforms | Android, Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Nigeria](/countries/nigeria): Market
- [Uganda](/countries/uganda): Market

## Related pages

- [Alternatives](/pezesha/alternatives)
- [Reviews](/pezesha/reviews)
- [Transparency](/pezesha/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/pezesha)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)