M-PENNYEvery 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.
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.
- Income & expense tracking
- M-Pesa into your own Till recorded automatically & reconciled
- eTIMS invoices filed with KRA
- P&L + balance sheet
- KRA returns prepared from your books
- A credit score from your own books
- Everything in Imarika
- Full statements suite & exports (IFRS for SMEs format)
- KES 500 of Penny AI included every month
- You pay no 2% fee on smart contracts
- Payroll for 15 staff included
- 200 payment reminders a month included
- Stock-use, growth & expansion insights
Bring a business. Get paid.
Refer a shop, salon or hardware to M-Penny and earn — whether or not you're a business yourself.
Data protected under Kenya's Data Protection Act, 2019