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Card Pesa
Card Pesa
Finance yourself and your enterprise digitally

With Card Pesa you can transact at any time.

Step into the future by simply signing up
Card Pesa
Card Pesa
Card Pesa Digital Finance Makes Life Easy
Card Pesa
Card Pesa
Introducing Eazzy Pay

Card Pesa is proud to introduce another option for transacting with us called EazzyPay.

Please see the images below for making payments either on Airtel and MTN.

Our Merchant Code is 000183

If you have an Equity Bank Account you can also pay directly from your App to the merchant using your pay bill option.

As Card Pesa our mission is to ensure that we can provide advances and facilitate digital commerce when and where the funds are needed when they are needed.

We hope this additional option helps meet that challenge
Card Pesa
Card Pesa
Pesa School.

We have gone through a 5 month period of a once in a generation economic correction and change in business dynamics.

Enterprise and business as we once knew it has changed irreversibly and based on the information we are seeing on our platform and the environment in which we operate we can see that there are greater challenges yet to come.

As a result of our inward review we have noted that we need to put in more effort into not just financing enterprise and entrepreneurs but also making sure that those entrepreneurs and enterprises that we finance are making the right funding decisions and can grow in this new environment with all its challenges.

To this end we have began the process of diversifying our product offering to allow subscribed members to share with us information about their operations so we can understand their cash flows and their needs and so we can ensure that the funding we provide meets the most essential needs of the enterprise.

Pesa School will therefore be a resource centre built with the main focus of providing crucial tutoring and mentoring of people engaged in enterprise or those who would like to enter "self employment" but may not know where to start and what the crucial issues are.

The school will be fully virtual/digital and will be part of our www.cardpesa.com online platform and will be accessed for free only by clients who are subscribed for our services.

Our belief is that through this resource tool clients using it will be able to share all sorts of business challenges from setup to marketing to staffing to accounting and reporting so that they can tap into a wealth of indigenous knowledge on how to build business in our local environment.

We will also assemble within Pesa School a number of bona-fide experts in different lines of enterprise who will mentor and tutor those clients who need this service and as it grows it will be a great place to network and test business ideas.

We at Card Pesa believe that its only through the growth of enterprises that our clients engage in that we as an organisation can also grow and therefore its paramount that we partner and work with them in finding solutions for the challenges that they may encounter that will foster this growth.

So please as a first step send a message expressing interest in being part of the Pesa School and indicate what areas of business or financial planning you would be interested in being helped with.
Card Pesa
Card Pesa
Credit Creates Wealth.

Being locked out of the credit system is what keeps poor people in the cycle of poverty.
Card Pesa
Card Pesa
The Card Pesa Ethos

Ethos is an argument that appeals to the audience by emphasizing the speaker's credibility and authority.

When we talk about our ethos we are explaining what we believe and how we work that sets us apart from all other financial services providers in the sector.

We have successfully run the first month after the Covid lockdown and we are proud and thankful that as a business we are still viable.

During this month our staff has made an effort to reach out to as many of our clients as possible to find out how they are doing and see how best to mitigate any challenges that some may have found.

As a result of these communication we have endeavoured to understand more intricately what our clients are doing for their livelihoods and see where their earnings are coming from so we can appropriately find credit limits that suit them and will work for them.

Key to assessment of any client is trying to determine whether a client will afford the credit we will provide them with and so many were asked for more details about their different sources of income and what activities they carry out on a monthly basis that provide revenue to them.

From the information we have gathered and from the results we are seeing on the platform we can now gauge what most of our clients capacities are.

A question that keeps coming up time and time again especially when clients pay is why isn't my credit limit rising and we have clients who from time to time put in special requests for particular limits.

It has therefore become important for us to educate our clients on how the system determines what a limit should be.

To quickly answer this question we bring it down to whether with the information we have about a client we are comfortable that the client will be able to pay back the limit being requested based on their information provided, passed record and the performance of those we can link to them on the platform.

If during the interviews and communication you did not provide proof of income either by bank or mobile statement and when asked what your projections for the month look like, you couldnt tell us clearly, then your requests for higher limits will most likely not go through.

Since we provide a revolving line of credit whereby our credit once paid today can be taken anytime again during the year a client is subscribed, then we advise that our advances should be best used to engage in enterprise in which the returns/profits will be many times greater than the cost of the advance.

To put it simply if you are a boda boda rider, our credit should not be used to buy the boda, insure the boda or other capital costs.

It should be used to ensure that the rider is healthy so they can work, repair the boda so it is functional but most importantly, it should be used to fuel the boda so the rider can be guaranteed to earn his income for the days work.

Because we are cognizant of the cost of our advances, when evaluating a client, we do not provide multiples of their projected revenue but fractions of their projected revenue to be used to fund the most vital activities of enterprise.

We believe that with this strategy we keep our clients in business and ensure that as they grow we also grow with them.
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