KFOS turns a phone into a till, a lending desk, and a set of books — so a shopkeeper in Kasarani or Kisumu can sell on credit, restock on credit, and get paid the same way big retailers do, without a bank branch in sight.
Every credit sale on KFOS comes with a promise enforced in code, not marketing copy: facility fee, interest, and late fees combined can never exceed a fixed share of what was borrowed. If fees would stack past that line, KFOS absorbs the difference — never the borrower. We also publish a live, daily proof of reserves →
Built from the ground up for the way Kenyan shops actually sell — cash, M-Pesa, and credit, often in the same basket.
Barcode scanning, loose/by-weight selling, split tender, receipts by SMS or print, and stock that updates itself with every sale.
Shops extend credit to trusted customers at the till. Rates are frozen the moment a loan is issued and can never be changed retroactively.
A shop can restock on credit from its own suppliers — just-in-time financing that keeps shelves full without tying up cash.
A running credit signal built from real repayment history — for both shops and customers — that grows credit limits the honest way.
Double-entry ledger, profit & loss, and KRA eTIMS-compliant tax receipts generated from the sales a shop is already making.
Offline-first by design — a sale, a stock count, or a clock-in still records with no connection, and syncs the moment it's back.
Run one shop or several, sell on credit with confidence, and see real profit — not just revenue — every day.
Reach shops directly, get paid on your own terms, and grow a track record that unlocks bigger, faster orders.
Buy what you need today, pay for it on a schedule you can see in full before you agree to it — never after.
Registration for shop owners, suppliers, and customers all starts here.