The anchor advantage

Your people.Your power.

Your employer. Your buyers. Your business partners. We turn the relationships you already trust into a clearer path to finance.

See how it connectsExplore our products
Built around Kenya’s real economy.
Relationships first. Possibilities follow.
Illustrative Sumpay relationship manager and Kenyan business owner reviewing plans in a workshop

Illustrative Kenyan professional using her phone
Relationships first.
Possibilities follow.
The Sumpay way

You’re more than
an application.

Your employer, your buyers, your business relationships. We start with the connections you’ve already built.

1

Start with your connection

Apply through a participating employer or business partner.

2

Know where you stand

We verify the relationship and review your eligibility, limit and terms.

3

Move forward with confidence

Once approved, access funds and repay through the agreed source.

Let’s get you connected
Your financing, explored

Put your next move in numbers.

Move the slider for an instant, illustrative estimate. Your real limit is set after a quick review of the relationship behind you.

Your monthly net salary
KSh 80,000
KSh 20,000KSh 500,000
Illustrative advance
KSh 40,000
Repayable at your next payday, deducted at source.
Indicative monthly costKSh 1,200
Check your eligibility
Illustrative only. Actual limits, fees and terms depend on verification and your anchor relationship.
The power of a partnership

Stronger together.
Further forward.

Behind every next step is a relationship. Connect your people and your supply chain to finance that understands it.

Illustrative Kenyan colleagues discussing plans in a light-filled workplace
01 / Employer partnerships

Invest in the people
who move you forward.

Give your employees a route to salary advances through a participating employer, with individual review and an agreed payroll arrangement.

  • Verified employment
  • Clear payroll repayment
Explore an employer partnership
Illustrative Kenyan supply-chain partners reviewing a delivery in a warehouse
02 / Offtaker partnerships

A stronger supply chain.
A shared way forward.

Connect suppliers and distributors to invoice or stock financing through verified trade relationships and a defined settlement route.

  • Verified trade relationships
  • Agreed settlement routes
Explore an offtaker partnership
01

Start a conversationTell us about your organisation.

02

Shape the arrangementAgree the relationship and repayment route.

03

Connect your peopleEligible requests can be reviewed.

Here as an employee, supplier or distributor?Ask about your access
Security & Trust

Built on trust. Backed by controls.

We combine careful review with strong financial controls to protect every transaction.

Review

Every credit decision is reviewed before approval.

Maker-Checker

No transaction moves without dual authorization.

Double-entry Ledger

Every transaction recorded with financial integrity.

Full Audit Trail

Every action is traceable and tamper-resistant.

Secure Verification

Known partners, verified relationships, safer outcomes.

FAQ

Questions, answered

The things people ask before they partner or borrow.

Who can borrow through Sumpay?
Employees of partner employers, and suppliers or distributors linked to a verified offtaker. Eligibility depends on verification, individual review and the terms of the participating organisation’s arrangement.
How does repayment actually work?
Repayment happens “at source” — deducted from payroll, netted off an invoice, or settled from stock proceeds. The repayment amount, timing and route are agreed before you accept financing.
How fast are financing decisions?
Timing depends on verification, the information provided and your anchor arrangement. Our team confirms the next steps when reviewing your request.
Does my employer or partner become the lender?
No. Your anchor simply confirms the relationship and the repayment channel. Sumpay provides the financing and manages every control, so partners strengthen their people without taking on lending risk.
How do you keep money and data safe?
Every transaction passes maker-checker approval, is recorded in a double-entry ledger, and leaves a full, tamper-resistant audit trail. Verification happens at each step, not just at sign-up.
How do we get started?
Employers and offtakers set up a simple MOU with our team; borrowers apply through their linked organisation. Reach out and we'll walk you through it.

Build stronger financial relationships.

Partner with Sumpay and unlock the power of trust.

Partner with Sumpay
Get in touch

Let’s make your next move happen.

Tell us who you are and what you're financing. Our team reviews every message and gets back to you.

  • Employers & offtakers — set up an MOU
  • Suppliers & distributors — unlock working capital
  • Borrowers — apply through your organisation
info@sumpay.co.ke Our team will guide you through the next steps

Your next move. Within reach.

Sumpay, wherever life takes you.

Choose your platform for app availability. Our team can help you explore access today.

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