Salary advances for your staff, on WhatsApp.
Funded by KCB Bank and paid to M-Pesa.
No cost to your company and no lending from payroll.
Employees request an advance in a WhatsApp chat and receive it on their registered M-Pesa number. KCB Bank sets each limit, and repayment is deducted from salary through your payroll.
No onboarding or subscription fees for employers.
How can we assist you today?
Please enter the number corresponding to your choice:
- Funded by KCB Bank
- Paid to M-Pesa
- Data Protection Act (Kenya) consent
- National ID and 4-digit PIN
Advances without the admin
When money runs short before the end of the month, employees often borrow from high-cost lenders or ask HR for an advance on their salary.
Advancing salary from company funds ties up cash, adds administration and leaves the company to recover the balance. With Kwikash, KCB Bank provides the advance and repayment is deducted through payroll.
How can we assist you today?
Please enter the number corresponding to your choice:
Employees consent under the Data Protection Act (Kenya), match their National ID to their WhatsApp number and set a 4-digit PIN. Attempts are rate-limited.
The amount, interest, total repayment and due date are shown in the chat before the employee confirms.
KCB Bank assesses each employee and sets their limit. Requests above it are not submitted.
Every advance is funded by KCB Bank. Company funds are never lent to employees.
Approved advances go straight to the employee’s registered M-Pesa number on a 30-day term.
Repayment is deducted from salary in your payroll run, with a ledger for each cycle.
- 01Verified on WhatsApp
Employees consent under the Data Protection Act (Kenya), match their National ID to their WhatsApp number and set a 4-digit PIN. Attempts are rate-limited.
- 02Terms before confirming
The amount, interest, total repayment and due date are shown in the chat before the employee confirms.
- 03Limits set by KCB Bank
KCB Bank assesses each employee and sets their limit. Requests above it are not submitted.
- 04Funded by the bank
Every advance is funded by KCB Bank. Company funds are never lent to employees.
- 05Paid to M-Pesa
Approved advances go straight to the employee’s registered M-Pesa number on a 30-day term.
- 06Repaid through payroll
Repayment is deducted from salary in your payroll run, with a ledger for each cycle.
What your company gets
KCB Bank provides the funds and makes the lending decisions.
Your team manages enrolment and payroll.
- No company funds at risk
KCB Bank funds every advance. Your payroll and cash flow are not affected.
- Staff enrolment in bulk
Add employees one at a time or upload a staff list. WhatsApp invitations are sent automatically, and failed registrations can be retried.
- Online business verification
Upload your KYC documents and validate your KRA PIN online during setup.
- Employer dashboard
View employees, payroll uploads, advances, repayment history and summary statistics in one place.
- Works with your payroll software
Use QuickBooks, Sage or any payroll system you already run. Import staff from a CSV or Excel file and export each cycle’s deductions as a spreadsheet for your payroll run.
- Application windows
Choose the days of the month when staff can apply, for example days 1 to 10.
- Fewer advance requests to HR
Employees request advances through WhatsApp instead of asking HR or finance directly.
- Paid to M-Pesa
Approved advances are paid to the employee’s registered M-Pesa number on a 30-day term.
- Terms shown before confirmation
Employees see their bank-set limit, due date, interest and total repayment in a private WhatsApp chat before they confirm.
From waitlist to payday
Step 01: Join the waitlist
Submit your company details. We contact you as onboarding places become available.
Step 02: We review and approve
Our team reviews your application, creates your company account and sends login details to your admin.
Step 03: You complete company setup
Validate your KRA PIN, upload your business KYC documents, link your KCB account and upload your staff list.
Step 04: Staff register on WhatsApp
Each employee receives a WhatsApp invitation, gives Data Protection Act consent and sets a 4-digit PIN before applying.
Questions from employers
For anything not covered here, join the waitlist and our team will contact you.
There are no onboarding or subscription fees for employers. KCB Bank provides the funds for every advance.
No. KCB Bank funds each advance and decides eligibility and limits. Company funds are not used to lend to employees.
Your company’s KRA PIN, business KYC documents, a KCB account to link and a list of the staff you want to enrol. The first step is to join the waitlist.
After you join the waitlist, our team reviews and approves your application and creates your company account. Your admin then validates the KRA PIN, uploads the KYC documents, links the KCB account and uploads the staff list. Staff are then invited on WhatsApp automatically.
Yes. You choose which employees are enrolled and can set application windows, for example days 1 to 10 of the month. Individual limits are set by KCB Bank.
The advance is an agreement between KCB Bank and the employee. If they leave before it is repaid through payroll, KCB follows up with them directly.
Employees give consent under the Data Protection Act (Kenya) before they register. They verify with their National ID and a 4-digit PIN, and PIN attempts are rate-limited. Your business is verified before any employee can be invited.
The dashboard shows enrolled employees, payroll uploads, advances, repayment history and summary statistics, along with a reconciliation ledger for each deduction cycle.
Repayment is a deduction from the employee’s salary in the payroll run. The dashboard’s reconciliation ledger shows the amount due for each employee in each cycle. The term is 30 days, and employees see the due date, interest and total repayment before they confirm.
Yes. Kwikash works alongside the payroll software you already use, with no integration project. You import your staff list from a CSV or Excel file, and each cycle you export the deductions as a spreadsheet to apply in your payroll run.
Join the waitlist
Register your company to request onboarding. Our team reviews each application and contacts your admin by email.