Pato Capital partners with employers, community leaders, and organisations to deliver instant, affordable loans — collected through payroll, social accountability, or invoice settlement. Zero cost. Zero risk to you.
Whether you employ people, lead a community, or work with suppliers — there's a model designed around your reality.
HR spends hours every month fielding and processing salary advance requests — a manual, cash-draining burden that never stops.
3–5 hrs/week lost by HRYour employees borrow from digital lenders at effective APRs averaging 280%. Debt spirals, focus drops, absenteeism rises.
280% avg APR — CAK StudyFinancially stressed workers are 5× more distracted and 2× more likely to leave. Replacing one costs 3–6 months salary.
Turnover: 3–6 months salaryFamily, friends, and church members constantly ask you for financial help. You want to support them — but lending from your own pocket strains your finances and your relationships.
Awkward follow-ups, lost friendshipsWhen you do lend, collecting turns you from a trusted leader into a debt collector. It damages trust and makes you resent the very people you wanted to help.
Relationships strained, time wastedYour community trusts you — people come to you because of your reputation. But all that social capital earns you nothing except more requests and more stress.
Your trust is valuable — monetise itYour best suppliers are leaving for buyers who settle invoices quickly. When reliable vendors disappear, quality drops, delivery slows, and procurement scrambles.
Good suppliers go where cash flowsYou'd love to pay suppliers faster — but early payment crushes your working capital. You're stuck choosing between your cash flow and your supply chain relationships.
A lose-lose with no good optionYou've delivered the goods but payment won't arrive for weeks. Rent, wages, and restock costs don't wait — so you borrow at punishing rates just to survive the gap.
Cash locked in unpaid invoicesEvery model gives your people affordable credit — while giving you clear benefits at zero risk.
We lend to your employees. You deduct repayments from payroll — just like NHIF. No data sharing, no liability.
Refer your people to Pato. We handle lending, collections, and compliance. You track everyone on your portal and earn commissions.
We advance cash to your suppliers against verified invoices. You pay us on the original due date — no early payment, no disruption.
Each model takes minutes to set up and delivers credit in seconds.
One-page agreement authorising payroll deductions. We provide all documentation.
Financial wellness session at your workplace. Staff sign up independently on our app.
We send a schedule. You process alongside NHIF/NSSF. 5 minutes/month — that's it.
Complete onboarding, get your unique referral code and access to your partner portal.
Share your code with family, friends, church members, chama groups.
Members download the app, enter your code, pass KYC, get cash to M-Pesa.
Monitor everyone's status on your portal. Earn commissions when they repay on time.
Partner organisation confirms participation. Simple agreement — they pay us instead of the supplier on due date.
Supplier uploads a delivered, undisputed invoice via the app. We verify with the buyer.
We advance 70–85% of invoice value to the supplier's M-Pesa within 24 hours.
On the original invoice terms (30–90 days), buyer pays Pato. We settle and close.
Instant cash to M-Pesa. Repaid automatically via payroll deduction.
Credit accessed through trusted community leaders. Flexible M-Pesa repayment.
Short-term capital for market traders with daily mobile micro-collections.
Cash advances for suppliers against verified invoices. Buyer pays Pato on due date.
Smartphones and laptops on instalment for employed borrowers.
Free literacy workshops, budgeting tools, and savings guidance for all partner communities.
Eliminate salary advance headaches and help your workforce escape predatory debt — at zero cost.
Stop lending from your own pocket. Refer your people, track them on your portal, earn commissions.
Your suppliers get funded in 24 hours. You pay on the original due date. Everyone wins.
Pato Capital Limited is a licensed Digital Credit Provider regulated by the Central Bank of Kenya. All lending is conducted in compliance with Kenyan law.