Smart finance for SMEs in the supply chain

No guarantees

No hidden fees

No collateral

No guarantees

No hidden fees

No collateral

Supported by global finance partners for peace of mind

How our factoring process works

You sell your invoices to IMFact

1

We deposit funds in your account immediately

Typically 50% of the invoice value

2

Your client pays IMFact the full invoice amount within 90 — 120 days

3

We deposit the remainder of the invoice into your account

4

You sell your invoices to IMFact

1

We deposit funds in your account immediately

Typically 50% of the invoice value

2

Your client pays IMFact the full invoice amount within 90 — 120 days

3

We deposit the remainder of the invoice into your account

4

We charge a competitive monthly fee in return for our services.

Apply for finance in under one minute!

Our simple 3-step eligibility questionnaire takes less than 1 minute to complete.

Check if you qualify.

Why finance with us?

Our fintech factoring solution releases the cash that is tied up in your unpaid invoices to fuel your business success.

IMFact

Banks

No Guarantees

No hidden fees or extra costs

Easy online application

Tailored financing for your business

Unlimited purchase of invoices

Personalised Dashboard

Fast, flexible and affordable

Kenyan entrepreneurs need a finance partner who thinks like they do. IMFact gives you fast, flexible and affordable access to your working capital. So you can grow your business, purchase inventory, pay suppliers and be part of our community.

One monthly inclusive cost with no nasty surprises

Because we see the world through the eyes of an entrepreneur, we offer affordable, sustainable finance to help you take your business to the next level. IMFact offers transparent pricing, with no nasty surprises. You simply pay a competitive, all-inclusive, monthly interest charge for our services, based on the quality of your receivables portfolio.

Pay your creditors and increase your sales

Pay your suppliers earlier

Take your business to the next level!

Make your cash work for you

Get better terms from your suppliers

Increase your sales by offering competitive payment terms

Purchase new inventory

Take your business to the next level!

Icon

Pay your creditors and increase your sales

Icon

Increase your sales by offering competitive payment terms

Icon

Pay your suppliers earlier

Icon

Get better terms from your suppliers

Icon

Purchase new inventory

Icon

Make your cash work for you

Your personalised dashboard

When you finance with IMFact you have access to powerful analysis tools that give you total control over your invoice financing.

Icon

Manage your invoices

Icon

Analyse your debtors

Icon

Manage your payments

Hero
Hero

Get in touch

To learn why we are the natural finance partner for SMEs in the supply chain and the most affordable in Kenya, request a call back from an expert adviser today.

    Phone

    Call us directly

    +254 795 162 254

    WhatsApp

    WhatsApp us

    +254 795 162 254

    E-mail

    Email us

    Frequently asked questions

    What is factoring?

    Factoring is a transaction that provides your company with advance payment for its unpaid invoices. IMFact buys your invoices and provides you with cash upfront so you no longer have to wait 90 — 120 days for your customers to pay. By releasing the cash that is tied up in your unpaid invoices, we give you immediate access to the working capital you need to fuel your business success.

    Who is eligible for financing through IMFact?

    IMFact’s clients must have a minimum annual turnover of 20 million KSH.

    How long does the application process take?

    IMFact will execute a Know Your Customer due diligence and realize a credit approval. We aim to finalize this within seven working days.

    How much funding can I obtain?

    IMFact will buy all of your outstanding invoices and pay you the advance rate against these invoices. In principle there is no maximum to the funding you can obtain.

    For answers to more of our most commonly asked questions.

    Latest news

    News image

    3 Key note speakers discuss financing strategies for SMEs with IMFact

    In partnership with Brighter Monday Kenya, IMFact hosted a webinar to discuss financing strategies for Kenyan SMEs.

    News image

    IMFact partners with Brighter Monday Kenya -Scale your Kenyan SME through invoice financing

    Brighter Monday, Kenya’s leading human resources and HR services company, has partnered with IMFact, a Smart Finance alternative to traditional bank lending for Kenyan SMEs in supply chain businesses.

    News image

    How to ensure financing and growth for women-led SMEs in Kenya

    Lack of access to flexible and affordable working capital or long-term debt for women-led SMEs in Kenya is caused by multiple market failures and systemic issues.

    News image

    3 Key note speakers discuss financing strategies for SMEs with IMFact

    In partnership with Brighter Monday Kenya, IMFact hosted a webinar to discuss financing strategies for Kenyan SMEs.

    News image

    IMFact partners with Brighter Monday Kenya -Scale your Kenyan SME through invoice financing

    Brighter Monday, Kenya’s leading human resources and HR services company, has partnered with IMFact, a Smart Finance alternative to traditional bank lending for Kenyan SMEs in supply chain businesses.

    News image

    3 Key note speakers discuss financing strategies for SMEs with IMFact

    In partnership with Brighter Monday Kenya, IMFact hosted a webinar to discuss financing strategies for Kenyan SMEs.

    News image

    IMFact partners with Brighter Monday Kenya -Scale your Kenyan SME through invoice financing

    Brighter Monday, Kenya’s leading human resources and HR services company, has partnered with IMFact, a Smart Finance alternative to traditional bank lending for Kenyan SMEs in supply chain businesses.

    News image

    How to ensure financing and growth for women-led SMEs in Kenya

    Lack of access to flexible and affordable working capital or long-term debt for women-led SMEs in Kenya is caused by multiple market failures and systemic issues.

    News image

    FSD Africa Investments injects £3m into Kenya’s first factoring fintech to boost supply of capital to small businesses

    FSD Africa Investments injects £3m into IMFact Kenya’s first factoring fintech to boost supply of capital to small businesses. IMFact’s technology driven factoring solution provides MSMEs with an alternative to bank lending by providing upfront cash payments for their unpaid invoices.

    CEO

    Nico de Nijs

    CEO

    IMFact

    Speech mark

    Unlocking the potential of Kenyan Entrepreneurs

    “Our vision is to enable local SMEs to realise their full potential and benefit the wider community by providing access to affordable, sustainable finance. Partner with us to take your business to the next level.”
    CEO

    Joost Zuidberg

    CEO

    Cardano Development

    Speech mark

    A new era of sustainable finance

    “IMFact offers an affordable and flexible way to unleash working capital for underserved SMEs. I believe they will bring about a new era of sustainable financing and contribute to local market development in the process.”