Construction workers and fundis can access loans through mobile apps. Get emergency cash or tool financing without regular payslips.
Maintain active M-Pesa with regular transactions
Join a fundi association or SACCO
Get NCA (National Construction Authority) certification
Build consistent work relationships for referrals
Save during busy seasons for slow periods
Yes! Mobile loans (Fuliza, M-Shwari, Branch, Tala) work well for fundis. They assess your M-Pesa history, not payslips. Join a construction workers SACCO for larger loans and group benefits.
Mobile loans only need your M-Pesa history and national ID. Build consistent transactions over 3+ months for better limits. Fundi SACCOs also provide loans based on membership and savings.
For emergencies: Fuliza (instant). For larger needs: Branch or Tala (up to KES 300,000). For tools: equipment financing from banks. For regular needs: fundi SACCO membership loans.
Compare loan options and find the best rates for your situation.