Smart Cashflow Intelligence for SMEs.
We turn invisible revenues into bankable assets. Connect your M-Pesa, POS and accounting data to unlock dynamic credit scoring, instant invoice financing and automated repayment models.
Business Overview
Live Cashflow Data
850
Dynamic Credit Score
Status: Excellent
Updated via M-Pesa & POS data
M-Pesa Till Sync
Synced 2 mins ago
POS Transactions
Synced 5 mins ago
Invoice Financed
Funds Approved
The Challenge
Why traditional SME lending in Kenya is broken
Banks heavily focus on SMEs, but bridging the financing gap is nearly impossible when the data isn't there. Good businesses are being rejected every day.
Poor Bookkeeping & Invisible Revenues
Most SME transactions are informal. Without formal accounting, significant cashflow remains invisible to traditional banking models.
Weak Credit Scoring
Lack of verifiable, continuous data means standard credit scoring algorithms fail to accurately assess a business's true health and repayment capacity.
High NPL Risk & Delayed Invoices
Delayed payments disrupt cashflow, pushing SMEs into distress, which translates to high Non-Performing Loan risks for lenders.
Connect Everything
A unified view of SME operations
Helability breaks down data silos by connecting seamlessly to the tools and platforms SMEs use daily. By aggregating multi-channel data, we illuminate the true financial health of the business.
- M-Pesa Till / Paybill
- POS Data
- Accounting Tools
- E-commerce
- Logistics Data
- Inventory
- Bank Statements
Create Intelligence
Actionable insights & instant capital
Using connected data, Helability's engine powers automated, low-risk lending products tailored for the Kenyan market.
Dynamic Credit Scoring
Real-time credit assessment based on active cashflow, M-Pesa transactions and operational metrics — not static historical data.
Invoice Financing
Bridge the gap of delayed payments. Instantly convert verified unpaid invoices into working capital to keep the business moving.
Cashflow Forecasting
Predict future revenue and potential shortfalls using AI-driven analysis of historical inventory and sales trends.
Automated Repayments
Reduce NPL risk by setting up dynamic, automated repayment models tied directly to daily M-Pesa or POS inflows.
Ready to derisk
SME lending?
Join the financial institutions and forward-thinking SMEs in Kenya leveraging Helability for transparent, data-driven growth.
- Onboard your first cohort in under 14 days
- Bank-grade encryption & Kenyan data residency
- Dedicated integration engineer included
per month · billed annually
Secure MVP access · No credit card required