About Helability

Building the credit rails for African SMEs.

90% of new jobs in Kenya come from SMEs, yet the majority cannot access working capital. Helability exists to close that gap — by turning the informal, invisible cashflow of everyday businesses into a signal that banks, MFIs and fintechs can lend against with confidence.

Connect

Link M-Pesa, POS, accounting, e-commerce, logistics, inventory and bank feeds in minutes.

Normalise

Our engine reconciles informal and formal transactions into a single ledger of truth.

Score

Dynamic Helability Score updates in real time as revenue and repayments move.

Finance

Unlock invoice advances and working capital that auto-repay from live cashflow.

Why now

Mobile money processes over 60% of Kenyan GDP. Combined with POS penetration, e-commerce growth and digital logistics, the raw data finally exists. Helability turns that raw signal into underwritable, bankable intelligence — securely, and on the SME's terms.