Financial trust layer for SMEs
Unlock funding based on your business performance — not paperwork.
Kuza ERP connects SMEs to lenders using real-time business data, credit scoring, and automated financial insights.
The financial operating system for African SMEs — where business data becomes credit power.
- eTIMS-verified data
- Bank-grade encryption
- Decisions in days
Built for Kenyan SMEs & vetted lenders
- Retail & wholesale
- Pharmacy & healthcare
- Logistics & distribution
- Microfinance partners
- Regional banks
How it works
From ERP data to funding in four steps
Your daily business operations become verifiable credit proof — automatically.
Connect your business data
Link your Kuza ERP workspace — sales, invoices, inventory, and payments flow in automatically. No manual spreadsheets.
Build your ERP credit score
Our engine analyzes transaction-backed performance to generate a verifiable score from 0–1000, updated as your business operates.
Get matched with lenders
Vetted lenders and funding partners review anonymized risk profiles and eligibility tiers — not piles of paperwork.
Receive funding directly
Approved offers are disbursed through partner institutions. Repayment visibility stays inside your ERP for ongoing trust.
ERP credit score
A score built from how you actually run your business
Kuza ERP analyzes transaction-backed signals to produce a transparent 0–1000 score with risk categories and lending eligibility tiers.
Revenue patterns over 6–12 months
On-time collections and aging
Repeat buyers and concentration risk
Turnover and stock accuracy
Seasonality and growth trajectory
Volume and audit trail inside Kuza ERP
Funding products
Capital for every stage of growth
Matched to your ERP profile, sector, and credit tier. Terms vary by lending partner.
Working capital loans
Short-term liquidity for payroll, rent, and day-to-day operations.
Supplier credit financing
Pay suppliers on time while preserving cash for growth.
Invoice financing
Unlock cash tied up in outstanding B2B invoices.
Inventory financing
Finance stock purchases against real turnover data.
Expansion loans
Fund new branches, markets, or product lines.
Equipment financing
Acquire machinery, vehicles, or POS infrastructure.
Trade credit lines
Revolving facility for recurring supplier and trade payments.
For lenders
Lend smarter with verified SME intelligence
Financial institutions and funding partners access real-time ERP analytics to reduce risk and scale SME portfolios.
Verified SME data
Access transaction-backed financials instead of self-reported statements.
Lower default risk
ERP analytics surface cashflow stress, fraud signals, and repayment patterns early.
Real-time credit engine
Scores refresh as businesses trade — not once a year at application time.
Portfolio diversification
Reach vetted SMEs across retail, distribution, logistics, and services.
Automated underwriting insights
Pre-structured risk tiers, eligibility flags, and audit-ready data exports.
Trust & risk reduction
Why Kuza ERP is a financial trust layer
Credit decisions backed by live operational data — not static PDFs.
Real-time business verification
Active ERP usage confirms the business is operating today.
Transaction-backed credit scoring
Scores derive from invoices, payments, and inventory — not guesses.
Fraud detection signals
Anomaly checks on transaction patterns and duplicate invoicing.
Historical performance tracking
Trend lines for revenue, margins, and repayment behavior over time.
Audit-ready financial data
Structured exports aligned with accounting and tax records.
Marketplace preview
Sample funding opportunities
Illustrative listings showing how ERP-verified businesses appear to lenders. Actual listings require an active Kuza ERP workspace.
Food & beverage
Nairobi coffee supplier
Working capital for green bean purchases
Retail
Mombasa retail shop
Inventory expansion before peak season
Transport
East Africa logistics co.
Fleet expansion — two delivery vans
Benefits
Built for SMEs and lenders alike
For SMEs & vendors
- Fast access to capital — decisions in days, not months
- Less collateral-heavy than traditional bank processes
- Data-driven approval based on how you actually run the business
- One ERP profile shared with multiple vetted lenders
For lenders & partners
- Lower default risk through verified transaction data
- Automated underwriting signals and risk tiers
- Access to a pipeline of ERP-active SMEs
- Portfolio tools for diversification across sectors
Success stories
Real outcomes from data-driven funding
“We secured KES 600K in working capital within a week. Our Kuza ERP sales data did the talking — no endless document runs.”Grace W. Owner, wholesale cosmetics distributor
“Repayment tracking inside the ERP gave our lender confidence. We refinanced at better terms after six months of on-time payments.”James K. MD, agro-supply business
“ERP-backed scores cut our review time by half. We onboarded 40+ SME loans in one quarter with stronger portfolio metrics.”Sarah M. SME lending lead, regional microfinance
FAQ
Common questions
Is funding guaranteed once I have a Kuza ERP account?
No. Funding is subject to lender eligibility, credit assessment, and partner underwriting rules. Kuza ERP provides verified data and scoring — approval decisions rest with lending partners.
How is my ERP credit score calculated?
The score (0–1000) weighs sales consistency, invoice collections, customer strength, inventory movement, revenue stability, and in-platform transaction history. Methodology is transparent; scores update as your business operates.
Do I need collateral for every product?
Requirements vary by product and lender. Many facilities lean on ERP-verified performance data rather than heavy physical collateral, but partners may request additional security for larger or longer-term facilities.
How do lenders join the marketplace?
Licensed financial institutions and vetted funding partners apply through our lending partner program. We provide API access, risk tiers, and portfolio tools after compliance review.
Get funded in days, not months
Join thousands of SMEs building credit power inside Kuza ERP.