You've done the work. Why wait 30+ days to get paid?
Invoice Financing in Tanzania — Get Paid in 36 Hours
KikaPay advances 100% of your invoice value. Fast, Sharia-compliant financing for SMEs.
Check Your Eligibility
See how much funding you can get.
You've done the work. Why wait 30+ days to get paid?
Invoice Financing in Tanzania — Get Paid in 36 Hours
KikaPay advances 100% of your invoice value to Tanzanian SMEs. Fast, transparent, Sharia-compliant.
36-Hour Funding — Because African businesses can't wait
No Interest (Halal) — Sharia-compliant flat fees
100% Advance — Get the full invoice amount upfront
24/7 WhatsApp Support — We're always here to help
Check Your Eligibility
See how much funding you can get.
The Story Behind KikaPay
Born from a Real Problem
It started with a conversation in Dar es Salaam. A small business owner, running a thriving enterprise, was struggling—not because of lack of work, but because of late payments.
After delivering services to a government agency, they waited. And waited. Months passed. Cash flow dried up. Employees needed to be paid. Suppliers were calling. The business was healthy on paper, but suffocating in reality.
We discovered this wasn't an isolated case. Across East Africa, thousands of small businesses face the same challenge: long payment cycles from governments and large corporations that can stretch 60, 90, even 120 days.
That's when we knew we had to build KikaPay—a solution that gives businesses certainty when they need it most.
“Small businesses shouldn't have to choose between paying their employees and waiting for their own money.”
— KikaPay Founders
Our Mission
Empowering African SMEs
KikaPay exists to unlock the cash flow potential of small and medium businesses across Africa. We provide fast, transparent, and Sharia-compliant invoice financing that helps entrepreneurs get paid today for work they've already completed. Beyond financing, we invest in our customers' growth — because when African businesses thrive, communities prosper.
Our Vision
Africa's Most Trusted SME Partner
We envision a future where no African entrepreneur waits months to be paid for completed work. Where small businesses have the same financial tools as large corporations. Where invoice financing is fast, fair, and accessible to every hardworking business owner — from caterers to construction companies.
Our Core Values
36-hour funding because African businesses can't wait
Flat fees with no hidden charges or compounding interest
Sharia-compliant, ethical financing practices
More than a lender — a business growth partner
Sharia-Compliant Financing
Our financing model is built on Ethical/Sharia-compliant principles. We do not charge interest (Riba). We only charge transparent Verification & Service Fees for the labor, AI systems, and legal expertise required to verify your documents and manage your financing. This makes KikaPay accessible to all entrepreneurs while respecting Islamic financial principles.
How Invoice Financing Works in Tanzania
Submit your invoice to KikaPay, get verified, receive 100% of your invoice value within 36 hours. The fastest invoice financing for Tanzanian SMEs.
- Invoice from verified client
- Business registration docs
- Bank account details
- Direct client verification
- Document authentication
- Fast decision process
- 100% invoice value upfront
- One transparent fee
- No interest, no hidden costs
Have questions about the process? Get in touch
Simple, Transparent Pricing
No interest. No hidden fees. Just flat verification fees based on complexity.
Step 1: Register Your Business
One-time registration fee includes everything you need to get started
Step 2: Submit Your Invoice
Pay a one-time verification fee based on invoice complexity
Invoice range: 500K - 1.5M TSH
Example:
- Automated KYC verification
- Same-day to 36-hour approval
- Standard support
Invoice range: 1.5M - 3M TSH
Example:
- Manual phone/email verification
- 24-36 hour approval
- Priority support
Invoice range: 3M - 5M TSH
Example:
- Deep legal audit & due diligence
- 24-36 hour approval
- Dedicated account manager
How Repayment Works
You repay 100% of the original invoice amount when your client pays you. The verification fee is already deducted upfront from your advance — no additional charges at repayment.
Unlock More as You Grow
Keep using KikaPay to unlock free benefits: Google Business setup, customer reminder system, free website, tender alerts, and more.
Need a custom solution for invoices over 5M TSH? Contact our team
The More You Use KikaPay,The More You Get
After you register, keep using KikaPay to unlock even more free business tools. Here's what's waiting for you.
Tier 1
5 invoices settled
- Google Business Setup
- Customer Reminder System
Tier 2
12 invoices settled
- Free Business Website
- Government Tender Alerts
- 50K TSH Social Media Ad Credit
- AI Holiday Campaign Graphics
Tier 3
24 invoices settled
- Professional Company Profile PDF
- Tender-Ready Document Pack
- 5 Branded Polo Shirts
- Priority Tender Alerts
- KikaPay Reference Letter
Tier 4
30 invoices settled
- Capital Financing up to 50M TSH
- Professional Photoshoot
- Dedicated Account Manager
- Direct Intro to Procurement Managers
Tier 1
5 invoices settled
- Google Business Setup
- Customer Reminder System
Tier 2
12 invoices settled
- Free Business Website
- Government Tender Alerts
- 50K TSH Social Media Ad Credit
- +1 more benefits
Tier 3
24 invoices settled
- Professional Company Profile PDF
- Tender-Ready Document Pack
- 5 Branded Polo Shirts
- +2 more benefits
Tier 4
30 invoices settled
- Capital Financing up to 50M TSH
- Professional Photoshoot
- Dedicated Account Manager
- +1 more benefits
Begin with registration and unlock more as you grow
Frequently Asked Questions
Everything you need to know about KikaPay invoice financing. Can't find what you're looking for? Contact our team.
Still have questions? Contact our team or reach us on WhatsApp.
What We Promise You
Simple commitments we make to every business we serve. No fine print, no exceptions.
36-Hour Funding
From invoice submission to cash in your account. Because African businesses can't afford to wait.
100% Invoice Value
Get the full value of your invoice upfront, minus only the transparent verification fee.
Zero Interest
Sharia-compliant flat fees only. No compounding interest, no hidden charges, ever.
24/7 WhatsApp Support
Real humans available around the clock. Questions, concerns, or just need to talk — we're here.
Built for Tanzania
We understand the challenges of doing business in East Africa. KikaPay was created by entrepreneurs who've lived it.
Your Partner, Not Just a Lender
Beyond financing, we provide free business tools, growth programs, and ongoing support to help you succeed.
The KikaPay Guarantee
We believe in earning trust through actions, not claims. Every promise we make, we keep.
Have Questions? Reach Out
Want to learn more about our services or have specific questions? Our team is here to help.
We're Here to Help
Have questions or need more information? Our team is ready to assist you with any inquiries about our services.
Business Hours
Quick Response
We typically respond to all inquiries within 24-36 hours during business days.
24/7 WhatsApp Support
Need immediate help? Our WhatsApp support is available around the clock, 7 days a week.
Chat with us now