Kenya's inclusive Wealth-Tech ecosystem. We lend responsibly (CBK-licensed DCP) and connect you to licensed fund managers for investments, all to turn every shilling into lasting wealth.
We believe financial dignity belongs to everyone who earns, from the boardroom professional to the marketplace trader. By merging responsible credit and professional investments, we turn every shilling of income into a foundation for lasting wealth.
We build with partners, employers, fund managers, and community leaders, so services reach people through relationships they already trust.
We actively fight over-indebtedness, only lending what helps you grow, with repayments capped at 40% of net disposable income.
Operating under a valid Digital Credit Provider licence from the Central Bank of Kenya, fully compliant with NDTCP Regulations 2026.
Credit that builds and investments that grow, all in one ecosystem.
Access your already-earned wages before payday. Not a loan, zero credit risk, automatic payroll deduction.
Salary-linked consumer credit repaid via payroll deduction, structurally secured, not behavioural.
Get paid in 24 hrs on verified invoices. Your buyer pays us on the due date.
Daily cash-cycle credit for traders, vendors & emergency consumer needs. Daily micro-repayments.
Smartphones via IMEI-locked PAYG, earn device ownership while building credit history.
We refer you to our CMA-licensed fund manager partners. Start from KES 500 with inflation-beating returns. Pato earns a referral fee; your funds are held by the regulated manager.
Government and corporate bonds via CMA-licensed fund manager partners. Assets held by the regulated manager, not Pato.
NSE and global equities via CMA-licensed investment partners. Pato is the channel; your portfolio is held by the regulated firm.
Automated investment referrals from every payslip. Pato sets the instruction; your chosen CMA-licensed manager receives and holds the funds.
Each designed around a specific earner, risk profile, and wealth-building need.
Access wages you've already earned, before payday. Not a loan, zero credit risk. Automatically deducted from next payroll. The entry product that builds trust and data for all subsequent credit products.
Access via employer →
Payroll-linked consumer credit for salaried employees. Repayment deducted at source before funds reach the employee, the market's safest, most affordable loan structure.
Apply via employer portal →
Suppliers with verified invoices get funded in 24 hours at 70–85% of invoice value. The partner buyer (invoice payer) pays Pato on the due date, zero chasing, zero waiting.
Register Interest →
Daily cash-cycle credit for market traders, vendors, hawkers, and emergency consumer needs. Instant M-Pesa disbursement with micro-repayments that match daily income rhythms via STK Push.
Apply via USSD or app →
Own a smartphone from day one with a 20–25% deposit. IMEI-locked remote disable means the device is its own collateral. Daily or weekly M-Pesa repayments over 3–12 months, with a credit ladder to consumer loans.
Register Interest →
Pato Capital channels you to our CMA-licensed fund manager partners for MMFs, government bonds, and NSE/global equities. We facilitate the connection; all client funds are held and managed by the regulated fund manager. Pato does not hold investment assets.
Start investing →Our model is built on relationships, employers, fund managers, and community leaders bring Pato's services to those who need them most.
Deliver EWA, salary advances, and wealth and asset building to your entire workforce, zero admin burden, one payroll agreement.
Pato Capital connects its clients to CMA-licensed fund managers and investment platforms. We are the distribution channel, not the asset manager. All client funds are held by the regulated fund manager.
Pato serves as the technology, compliance, and collections backbone for Customer Aggregator Partners, including employer welfare funds, investment clubs, churches, NGOs, and other member-based organisations.
Our ecosystem meets you where you are and grows with you.
Your employer, group organisation, or fund manager brings you into the Pato ecosystem, no branch visits required.
Fast digital onboarding: National ID, M-Pesa statement, and employer or partner verification.
Borrow from Pato (DCP-licensed) and invest via our fund manager partners (CMA-licensed), all connected through one platform.
Reliable repayment grows your limit and builds your portfolio.
Wealth and asset education for every income level, the path to lasting wealth starts with knowing how to use the right tools.
For salaried professionals and earners. Learn to convert your income into lasting wealth and growing assets.
For traders, vendors, and MSME owners. Turn business income into owned assets and lasting wealth.
Whether you are an employer wanting to give staff a wealth and asset building edge, a fund manager seeking retail reach, or a group organisation ready to formalise your lending, we want to hear from you.
We are actively seeking partners across four categories. Each partnership is structured to create measurable value for your organisation and your clients.
When your employees are financially stressed, your organisation pays the price in productivity, absenteeism, and talent flight. Pato Capital turns your payroll infrastructure into a complete wealth and asset building platform, at zero capital cost to you.
How It Works
A simple agreement authorising Pato to offer EWA and credit to your staff, with recoveries via payroll.
Employees sign up via USSD or app using their staff ID. KYC is completed in under 5 minutes.
Lending, collections, CRB reporting, and investment enrollment are all handled by Pato. You receive one consolidated deduction file per payroll cycle.
Tell us about your organisation and we will get back to you within one business day.
If you supply goods or services to large buyers (corporates, government, hospitals, retailers), you know the pain of waiting months for payment while your business stalls. Pato's invoice financing converts your verified receivables into immediate cash.
How Invoice Financing Works
Upload your invoice and buyer confirmation via the Pato platform. Approval decision in under 2 hours.
Funds disbursed to your M-Pesa or bank account within 24 hours of approval.
On the invoice due date, your buyer pays Pato directly. You receive the remaining balance minus the agreed discount fee.
Invoice financing launches in Year 2. Register now to be among the first suppliers onboarded when we launch.
Customer Aggregator Partners, including employer welfare funds, investment clubs, churches, NGOs, and other member-based organisations, bring their own capital and membership base. Pato provides the technology, compliance, credit assessment, disbursement, and collections backbone. You focus on your members; we handle the rest.
How Fund Administration Works
The agreement defines fund purpose, participant eligibility, fee structure, reporting obligations, and the agreed interest waterfall. One bilateral agreement per fund.
Your organisation deposits its capital into a dedicated ring-fenced sub-account on the Pato platform. A minimum fund size applies. Pato does not contribute capital; you bear credit risk on your own fund.
Members apply via mobile app or USSD. Pato assesses, approves, and disburses via M-Pesa. Pato collects repayments automatically and distributes returns to your sub-account per the agreed waterfall.
Tell us about your organisation and we will be in touch within one business day to discuss the right fund structure for your objectives.
Only 8% of Kenyans invest beyond a savings account. The remaining 92% are not disinterested, they lack access, low minimum thresholds, and a trusted entry point. Pato's payroll relationships, mobile money infrastructure, and financial education programmes make us your lowest-cost retail distribution channel.
How the Investment Partnership Works
Pato conducts due diligence on your fund(s). A distribution agreement is signed, covering AUM thresholds, commission rates, and data sharing protocols.
Your fund's onboarding and portfolio API is integrated into the Pato platform. Investors are referred with pre-completed KYC data.
Pato's "Pay Yourself First" tools, financial education, and employer payroll deductions channel investors to your fund. You manage assets; Pato earns trail commission.
Whether you manage MMFs, bonds, or equities, we would like to discuss how Pato can channel investors to you.
Borrow responsibly, grow your savings, or partner with us, our team responds within one business day.
Tell us what you need and we'll match you to the right product or partnership.