Earlier in July 2025, Safaricom introduced the M-Pesa Taasi Pochi, a revolutionary loan facility aimed at expanding small businesses, especially those with insufficient working capital. These new credit options provide small business owners with instant loans between KSh 1,000-250,000 without collateral requirements, complementing the Fuliza overdraft facility, which offers an overdraft limit of up to KSh 400,000 for Lipa Na M-PESA till users.
The Taasi Pochi loan is exclusively offered to business owners who are registered in the Pochi la Biashara platform. The best part is that the loan leverages your transaction history rather than traditional credit scoring and is disbursed immediately to your M-Pesa Pochi Account once approved. So, what is Taasi Pochi? How do you apply for this loan type? Well, these are a few questions that we have addressed in this comprehensive guide. Here is everything you need to know.
What is Taasi Pochi?
If you have been following up by now, you know what Taasi Pochi is. If not, it is a collateral-free digital loan product exclusively for Pochi La Biashara users, offered through Safaricom’s partnership with Asante.
Small business owners using the Pochi la Biashara can apply for loans between KSh 1,000 and KSh 250,000, which vary mainly due to users’ transaction history and business performance metrics. What is unique to Taasi Pochi is the flexible repayment period between 7 and 30 days based on the amount awarded, which attracts an interest rate of 3.85% for 7 days, 4.71% for 14 days, and 6.41% for a 30-day period.
Taasi Till loan
For Lipa Na M-Pesa Till owners, Safaricom also offers the Taasi Till through a partnership with Asante Finance. It provides loans from Ksh 100 to Ksh 200,000, which must be repaid within 1 to 21 days. Your Till needs to be active for at least 3 Months to qualify for this loan type
Who Can Qualify for Taasi Pochi Loans?
While the loan option is visible to all M-Pesa users, it is strictly meant for users who actively use the Pochi La Biashara for various transactions. The specific requirements are as follows:
- You must have an active Safaricom line registered in your name
- Your Pochi La Biashara account must have been active for at least 6 months
- Your Pochi account must demonstrate Consistent transaction activity
- You should have no outstanding defaults on previous Taasi loans
The loan amount you qualify for depends on your transaction volume, frequency, and overall business performance as tracked through your Pochi la Biashara activity over the previous six months.
How to apply for a Taasi Pochi loan?
Below are the methods you can use to apply for a Taasi loan easily:
Option 1: Apply Using USSD Code
Follow these steps:
- Dial *334# on your Safaricom line
- Select option 8 for “Pochi la Biashara”
- Choose option 6 for “Taasi Pochi”
- Select your preferred loan tenure (7, 14, or 30 days)
- Enter the desired loan amount within your limit
- Review terms and confirm with your M-PESA PIN
- Receive confirmation SMS with disbursement details
Option 2: Apply Through the M-PESA App
Smartphone users can apply through the app:
- Open the M-PESA app and log in with your credentials
- Tap “Financial Services” and select “View All”
- Scroll and select “Taasi Pochi” from the options
- Enter your M-PESA PIN to check eligibility
- Select preferred loan amount and duration
- Review the summary and confirm the application
- Receive immediate notification of approval status
What to Know About Repayment
Taasi Pochi charges interest based on loan duration rather than reducing balance, meaning you pay the same interest whether repaying early or on the due date. However, as there are no hidden charges, late payments incur a 1% daily penalty for up to 7 days, which can significantly affect your future eligibility and loan limit.
The system automatically deducts repayment amounts from your Pochi la Biashara balance on the due date. If insufficient funds are available, the system will attempt collection over the following days until the penalty period expires.
If you default on Taasi loan repayments, you will be reported to the Credit Reference Bureau (CRB) after a period of 60 days, which can negatively affect your credit score and future access to formal financial services.
How to increase your Loan limit?
Loan limits are determined algorithmically based on your transaction volume, frequency, and consistency over the previous 6 months.
The system also considers your repayment history with previous Taasi loans and other M-PESA credit products, with timely repayments increasing your limit over time. Higher transaction activity and consistent banking behavior typically result in larger loan offers and better terms.
Wrapping up
M-Pesa Taasi Pochi loans represent a significant advancement in accessible business financing for Kenyan entrepreneurs. No collateral is required, and the flexible payment periods allow business owners to restock their businesses and manage cash flow challenges without straining their operations.
