# Sumpay

> Sumpay is a Kenyan digital credit provider, regulated by the Central Bank of Kenya, offering salary advances, invoice financing and stock financing. Every product is anchored on a verified relationship the borrower already has — their employer, a buyer (offtaker) or an established business partner — and repayment happens "at source" through payroll, invoice settlement or an agreed stock-settlement channel.

Key facts:
- Country: Kenya. Currency: Kenyan shilling (KSh).
- Regulator: Central Bank of Kenya (digital credit provider).
- Website: https://sumpay.co.ke — Contact: info@sumpay.co.ke
- Borrowers apply through a participating employer or business partner; eligibility, limits, fees and repayment terms are confirmed through individual review before financing.
- The anchor (employer or offtaker) confirms the relationship and repayment channel but does not become the lender or take lending risk.
- Controls: every credit decision is reviewed, maker-checker (dual authorisation) on every transaction, double-entry ledger, full audit trail.
- The estimator on the website is illustrative only and is not a lending offer.
- Mobile apps (iOS and Android) are coming soon.

## Products
- [Salary Advance](https://sumpay.co.ke/salary-advance.html): Short-term advance for employees of participating employers, repaid through payroll deduction on the next payday.
- [Invoice Financing](https://sumpay.co.ke/#invoice): Working capital against eligible unpaid invoices for suppliers to a verified buyer; repaid from the buyer's payment.
- [Stock Financing](https://sumpay.co.ke/#stock): Inventory financing for businesses with an established business partner; repaid through an agreed settlement channel.

## Company
- [Home](https://sumpay.co.ke/): Overview, how it works, partnerships, security and FAQ.
- [About Sumpay](https://sumpay.co.ke/about.html): Mission, principles and why relationships are the best collateral.
- [How it works](https://sumpay.co.ke/#how): 1) Start with your connection, 2) relationship and eligibility review, 3) access funds and repay at source.
- [Partner with Sumpay](https://sumpay.co.ke/#partners): Employer partnerships (salary advance for staff) and offtaker partnerships (invoice/stock finance for suppliers and distributors).
- [FAQ](https://sumpay.co.ke/#faq): Who can borrow, how repayment works, decision timing and data safety.

## Optional
- [Borrower access](https://sumpay.co.ke/login.html): Borrower portal and mobile app availability.