Every shilling that moves, becomes credit.
Helability unifies M-Pesa, POS, e-commerce, logistics and accounting data — then turns it into dynamic credit scoring, invoice financing and cashflow forecasts built for African SMEs.
Helability Score
782/900
Revenue
KES 2.4M
Runway
9.3 wks
NPL risk
Low
80% advanced · auto-repays on settlement
The problem
Banks want to lend to SMEs. The data won't let them.
Kenyan SMEs power 90% of new jobs, yet under 20% get formal credit. The gap isn't ambition — it's visibility. Helability fixes the pipe between operations and finance.
- Poor bookkeeping
- Invisible revenues
- Informal transactions
- Weak credit scoring
- Delayed invoice payments
- High NPL risk
Connected sources
One platform. Every revenue signal.
Plug in the tools the business already uses. Helability normalises the data and turns it into lender-ready intelligence.
The solution
Four products, one intelligence layer.
Dynamic Credit Scoring
Real-time creditworthiness rebuilt from actual cash movement — not a stale statement.
Invoice Financing
Advance up to 80% on verified invoices in minutes, repaid automatically as clients settle.
Cashflow Forecasting
12-week rolling forecasts with scenario planning for hires, stock and repayments.
Automated Repayments
Split-settlement models draw directly from till, POS and payout rails as revenue lands.
Ready to lend on real cashflow?
Join lenders and SMEs already using Helability to unlock working capital across East Africa.