M-PENNY · BROCHURE
← Website
MPennyEvery penny, empowered
EVERY PENNY, EMPOWERED

Your books keep themselves.

M-Penny is the financial operating system for Kenya's 7.4 million small businesses. It sorts every M-Pesa payment into clean books, files eTIMS for you, and turns your record into credit — all from one app, in English or Kiswahili.

✓ 7-day free trial✓ No card required✓ From KSh 499/mo✓ USSD & smartphone
What you get

Books that keep themselves

Every M-Pesa sale and expense lands in a real P&L and balance sheet automatically. Know if you made money this week — no shoebox of receipts.

eTIMS, sorted

Issue KRA-compliant eTIMS invoices and let M-Penny prepare your VAT and returns. Stay compliant without the stress of the 20th.

Credit from your record

A clean record is collateral. Borrow against your own numbers — pre-approved, no paperwork, no guarantor. Capital the moment you've earned it.

Get paid & deliver

Send invoices and delivery notes; customers confirm and pay electronically. M-Penny ties the payment straight back to the sale.

7.4M
Kenyan MSMEs M-Penny is built for
2 min
to set up — no accountant needed
16%
VAT handled & filed for you
Simple prepaid plans · 7-day free trial
MOST POPULAR
Imarika
For the everyday shop
KSh 499
/ month · prepaid
  • Income & expense tracking
  • Auto M-Pesa sync & reconciliation
  • eTIMS invoicing
  • P&L + balance sheet
  • Assisted KRA filing
  • Credit score building
Biashara
For the enterprise
KSh 1,999
/ month · prepaid
  • Everything in Imarika
  • Full IFRS suite
  • Auto-file KRA returns & payroll
  • Unlimited users + roles
  • Multi-till / multi-business
  • Priority lending access

Bring a business. Get paid.

Refer a shop, salon or hardware to M-Penny and earn — whether or not you're a business yourself.

KES 50onboarding bonus
10%of their subscription · while both active
mpenny.ke
Start your 7-day free trial today · English & Kiswahili
Natcrest Holdings Company Ltd (trading as M-Penny) · Nairobi, Kenya
Data protected under Kenya's Data Protection Act, 2019