M-Pesa Taasi Pochi Loans(Requirements & Application 2026)

In May 2025, Safaricom introduced M-Pesa Taasi Pochi, a business loan facility designed to help small traders and entrepreneurs boost their working capital. Through Taasi Pochi, eligible Pochi la Biashara users can access instant digital loans starting from KSh 1,000 up to about KSh 250,000, depending on their transaction history and repayment behaviour.

Jump Into What Matters

Taasi Pochi is part of a broader M-Pesa business credit suite alongside Taasi Till and Fuliza Biashara, which together can unlock business limits of up to KSh 400,000 for qualified merchants. The key difference is that Taasi Pochi is tailored specifically for Pochi la Biashara users who receive payments directly into their Pochi wallets (More details on this later on in the article).

If you are looking to get started with Taasi Pochi in 2026, here’s a definitive guide to help you get the most out of it.

What is Taasi Pochi?

For those who might not be familiar with what Taasi Pochi is, by now. In simple words it is a collateral-free digital loan product for Pochi la Biashara users, offered through Safaricom’s partnerships with lenders such as Pezesha and other financial institutions. It is meant to give small businesses quick access to short-term working capital based on how they use M-Pesa and Pochi, rather than traditional security or paperwork.

As long as you are a small business owner using Pochi la Biashara and are qualified, you can typically borrow between KSh 1,000 and KSh 250,000 or more, with the exact limit determined by recent transaction volume, consistency, and overall repayment profile. Lastly the repayment periods are 7, 14, 21, or 30 days, and the total cost is charged as a one-time fee that you see before confirming the loan.

Taasi Till loan (for Lipa Na M-Pesa)

If you receive payments mainly through a Lipa Na M-Pesa till, Safaricom also offers Taasi Till, a separate digital credit product for till owners. Through this service, you can borrow for a short-term loan of up to KSh 200,000–250,000, depending on your till performance. The main requirement is that your Till must have been active and transacting for more than 6 months to qualify for the application. To apply, dial *234# and select “M-PESA Business Till,” then “Taasi Till Loans.”

Who Can Qualify for Taasi Pochi Loans?

While Taasi products appear under M-Pesa business financing, Taasi Pochi is strictly for users who actively use Pochi la Biashara to collect customer payments. To qualify for Taasi Pochi, you generally need to meet the following:

Have an active Safaricom SIM registered in your name.
Have used Pochi la Biashara consistently for at least six months.
Show regular Pochi transaction activity (frequency and volume) over recent months.
Have a good repayment record on previous Taasi or other M-Pesa business loans, with no serious overdue defaults.

The amount you are given (Your loan Limit) is calculated automatically by Safaricom and its partners using your Pochi transaction history, repayment behaviour, and general business performance over the last several months. By the way, these are also some of the issues that can help you get a higher loan limit, for example, paying your loan off earlier, etc.

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#.
Select “Pochi la Biashara”.
Choose “Taasi Pochi”.
Select your preferred loan tenure (for example, 7, 14, or up to 30 days, depending on the options shown).
Enter a loan amount within your indicated limit.
Review the displayed fee and repayment details.
Confirm with your M-Pesa PIN to complete the request.
You will receive an SMS with your loan approval and disbursement details.

Option 2: Apply Through the M-PESA App

Smartphone users can apply through the app:

If you use the M-Pesa app:
Open the M-Pesa app and log in.
Tap “Financial Services” or “Business Financing, then select “View all” if needed.
Look for “Taasi Pochi” in the list of products and tap it.
Enter your PIN to check eligibility and see your limit.
Choose your preferred loan amount and repayment period.
Review the summary and total cost shown on-screen.
Confirm your application and wait for the approval message.
If approved, the loan is sent directly to your Pochi la Biashara wallet.

What to Know About Repayment

So how do you repay a Taasi Pochi loan? First, when it comes to repayment, there are no hidden charges, unlike some unregulated loan apps in Kenya. Taasi Pochi uses a flat fee charged once per loan based on the amount and the repayment period you choose. This means the total amount you repay remains the same whether you clear the loan on the first day or the last day within your agreed tenure.

The repayment part is quite simple. Typically, the amount is deducted automatically from your Pochi la Biashara balance on the due date. If there is not enough money in your Pochi wallet, M-Pesa will keep attempting collection for a short period, and late repayment may attract an extra penalty fee for a limited number of days, as published in the current Taasi terms.

If you seriously default and fail to clear the loan for an extended period, your account can be reported negatively, which can affect your ability to access formal credit inthe future, in line with Kenya’s Credit Reference Bureau regulations.

How to Increase Your Taasi Pochi Loan Limit

Your Pochi limit is always reviewed regularly based on how you use your Pochi wallet and how you repay existing loans. To grow your limit over time:

Receive more genuine business payments through Pochi la Biashara instead of cash.
Keep your Pochi transactions active and consistent over many months.
Repay Taasi Pochi and other M-Pesa business loans on time or earlier, where possible.
Avoid bouncing payments, long-term arrears, or CRB issues that might weaken your profile.

FAQs

How to repay a Taasi loan?

Loans are usually repaid automatically from your Pochi la Biashara wallet on the due date.

How to apply for a loan on Pochi La Biashara?

You can apply via USSD or the M-Pesa app. Dial *334#, select “Pochi la Biashara”, then “Taasi Pochi”, choose your tenure and amount, and confirm with your PIN. Alternatively, use the M-Pesa app, go to Financial Services or Business Financing, select Taasi Pochi, check your limit, pick an amount and tenure, then confirm.

What is the loan limit for Pochi La Biashara?

The Taasi Pochi limits range from KSh 1,000 to about KSh 250,000, depending on your transaction history and other factors, as we have already covered in our article.