Supported by global finance partners for peace of mind
How our factoring process works
You sell your invoices to IMFact
1We deposit funds in your account immediately
Typically 50% of the invoice value
2Your client pays IMFact the full invoice amount within 90 — 120 days
3We deposit the remainder of the invoice into your account
4You sell your invoices to IMFact
1We deposit funds in your account immediately
Typically 50% of the invoice value
2Your client pays IMFact the full invoice amount within 90 — 120 days
3We deposit the remainder of the invoice into your account
4We charge a competitive monthly fee in return for our services.
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!
Pay your creditors and increase your sales
Increase your sales by offering competitive payment terms
Pay your suppliers earlier
Get better terms from your suppliers
Purchase new inventory
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.
Manage your invoices
Analyse your debtors
Manage your payments


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.
Call us directly
+254 795 162 254
WhatsApp us
+254 795 162 254
Email us
contact@imfact.ke
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

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The SME Owners & Directors training in partnership with FSDA and SNDBX
The Tukuze Biashara IMFact-SNDBX capacity-building program is a practical learning experience that involves in-class sessions, coaching and implementation of lessons designed to enhance the capacity of business owners for growth.

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.

The SME Owners & Directors training in partnership with FSDA and SNDBX
The Tukuze Biashara IMFact-SNDBX capacity-building program is a practical learning experience that involves in-class sessions, coaching and implementation of lessons designed to enhance the capacity of business owners for growth.

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.

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.

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Nico de Nijs
CEO
IMFact
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.”
Joost Zuidberg
CEO
Cardano Development