Kesse gives small business owners fast, collateral-free credit through a network of financially-invested local agents — combining last-mile reach with real accountability.
<10 min
to funded
95%+
repayment goal
3 roles
one platform
96%
Local agents who know their community make smarter lending decisions than any algorithm.
Every agent posts a security deposit that backs the loans they issue — accountability built in.
Direct bank transfers for banked customers, cash-via-agent with USSD confirmation for everyone else.
Customers confirm disbursements and repayments from any phone — no smartphone required.
A simple loop that aligns everyone's incentives — from the platform to the agent to the borrower.
Admin verifies the agent and sets a lending cap from their deposit.
The agent onboards customers using local knowledge and ID checks.
Loans are approved against the cap and funds reach the customer in minutes.
On-time repayment raises caps and credit scores across the network.