Grow with Confidence.
Your Investments are Protected.
Put your money to work across community-backed opportunities. Your investment is supported by multiple guarantors while you earn 80% of the interest generated.
Capital Protected by Multiple Guarantors.
Your investment is backed by the guarantee structure attached to each loan.
80% of Interest to Investors.
You receive 80% of the interest generated by your investment.
Diversified Across Multiple Loans.
Your investment can be spread across several opportunities rather than concentrated in one.
Why investors choose PesaYaChama
How investors earn
Invest once.
Earn continuously.
Your investment is spread across multiple loans and supported by guarantors. As borrowers repay, you receive your share of 80% of the interest generated.
Capital Protected
Supported by multiple guarantors.
Earnings First
You receive 80% of generated interest.
Diversified
Your investment can be spread across several loans.
Transparent
Track investments, repayments and earnings from your dashboard.
Illustrative example investment
Invest KES 100,000
Your money is spread across 10 loans.
Your investment
KES 100,000
Protection
Multiple guarantors
Risk
Diversified
Earning breakdown
Interest generated
KES 16,000
Your share (80%)
KES 12,800
Paid to you
As repaid
Capital protection
Multiple guarantors
Illustrative example — actual returns depend on real loan performance.
Start Investing Today →Your capital is supported by multiple guarantors. Your investment is not dependent on a single borrower — the guarantee structure distributes exposure across participating members.
Prefer to back a specific member instead? See how guaranteeing works →