Access Fee
After the interest-free period expires, Fuliza ya Biashara charges a 2% daily access fee for each disbursement. This fee applies to amounts outstanding beyond the 48-hour grace period.
Daily Maintenance Fees
The service also includes daily maintenance fees that vary based on the borrowed amount:
| Amount (KSh) | Daily Maintenance Fee (KSh) |
|---|---|
| 1 – 999 | 0 |
| 1,000 – 2,499 | 12 |
| 2,500 – 5,000 | 30 |
| 5,001 – 15,000 | 50 |
| 15,001 – 35,000 | 150 |
| 35,001 – 70,000 | 200 |
| 70,001 – 400,000 | 250 |
Repayment Terms
- Maximum repayment period: 29 days with daily fees
- Extended repayment period: Up to 91 days total
- Credit Reference Bureau (CRB) listing: Occurs after 91 days of non-payment
