Explore the unique features

Flexible B2B Business Solution

Small & Medium size Business centralized funding, cash collections and management service as a reliable and secure platform for all mobile and bank transactions
Online Portal

Includes an online portal for easy, seamless payment tracking and generation of reports.

Multiple User Roles

Don't be limited, enjoy the ability to assign multiple user roles in the online account portal.

MPESA Mobile Wallet/Bank Settlement

Easily and conveniently settle your funds to either your selected MPESA mobile wallet or BANK.

MPESA PayBill Enabled

The platform is enabled via the MPESA PayBill option where a merchant/ business has a general PayBill number with a unique account number

Suits All Businesses

No business is left out. General to any kind of business, irrespective of size.

Benefits of Our B2B Business Solution

B2B companies need flexibility, and Bayes mobile App is one of the most flexible forms of small business financing as a fintech loan.
  • Enables cashless transactions.
  • Ease of monitoring business transactions and cash flows.
  • Signed up businesses are able to secure financing based on the strength of their cash flow.
  • A safe and convenient method of receiving payments.
  • Ease of reconciling business transactions.
  • Businesses can assign various branches with unique account numbers all linked to the central head office.

How it Works

1. The merchant provides us with the necessary KYC information as required

2. After the details are verified the merchant is assigned a unique account number which his/her customers will be using to make their payments using a designated paybill number.

3. The merchant is also assigned a USSD code to access his/her account whereby they can manage they funds by either withdrawing to M-pesa, moving to bank or performing other transactions like paying bills and suppliers. Soon an app and web portal to manage the account by the merchant will be availed.

4. Based on these transactions normally after 30 days the merchant will be evaluated and assigned a loan limit by the platform’s scoring engine and notified via text message. If interested the merchant can apply for the loan immediately on the USSD and the funds will be disbursed into his/her Bayes wallet.

5. During loan application the merchant will be supplied with all the terms and charges of the loan.

6. Loan repayment is based on deducting a percentage of the payments received into the merchant’s wallet. The deducted amount depends on the agreed terms.

7. Once cleared the merchant continues accessing the platform for their funds and future loans.

NB. In case of joint partnerships or limited liability companies, the directors will nominate and authorize one of them to manage the account and take up a loan for the business if interested.

Want to get started with our B2B Business Solution?

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Frequently asked questions about Bayes

Bayes offers a range of functionalities designed to make your life easy and take care of all your mobile transactions. Learn more about Bayes from our Q&A below

1. How do I repay my Bayes loan?

From the app, use the repay button on the loans screen to repay your installment or the full amount.

Alternatively send the money to our paybill 599862, use your ID number as the account number.

2. How does one qualify for a loan?

Loan qualification is based on several factors including mobile money usage, borrowing and repayment history from other lenders, and credit rating by various CRBs among others.

Those who do not qualify instantly are encouraged to keep the app installed and use the other services we provide to build a history with us and qualify for a loan in future.

3. Can I pay once at the end of my loan term?

We advise clients to make their payments as per the agreement during disbursement. Skipping installments will negatively affect your eligibility for future loans.

4. What if I pay early?

We encourage you to repay early or on time, this will positively contribute to growing your loan limit.

5. How to access Bayes after losing my phone or on a new phone?

Kindly reach out to us through Facebook or using the chat feature on our app for further assistance.

Alternatively dial *879*88# to access your Bayes account.

6. What happens if I do not repay on time?

Failure to repay on time will result in penalties, reduced loan limits or inability to access another loan.

Note that accounts in default for more than two weeks will be blacklisted and reported with the Credit Bureaus.

7. Why is my initial loan limit zero?

Failure to repay on time will result in penalties, reduced loan limits or inability to access another loan.

Note that accounts in default for more than two weeks will be blacklisted and reported with the Credit Bureaus

8. Why was my loan limit reduced to zero?

This is due to poor loan repayment history. If your loan is overdue for a long time you cannot access a new loan immediately. We will notify you via text if you are reconsidered for a loan.

1. How do I repay my Bayes loan?

From the app, use the repay button on the loans screen to repay your installment or the full amount.

Alternatively send the money to our paybill 599862, use your ID number as the account number.

2. How does one qualify for a loan?

Loan qualification is based on several factors including mobile money usage, borrowing and repayment history from other lenders, and credit rating by various CRBs among others.

Those who do not qualify instantly are encouraged to keep the app installed and use the other services we provide to build a history with us and qualify for a loan in future.

3. Can I pay once at the end of my loan term?

We advise clients to make their payments as per the agreement during disbursement. Skipping installments will negatively affect your eligibility for future loans.

4. What if I pay early?

We encourage you to repay early or on time, this will positively contribute to growing your loan limit.

5. How to access Bayes after losing my phone or on a new phone?

Kindly reach out to us through Facebook or using the chat feature on our app for further assistance.

Alternatively dial *879*88# to access your Bayes account.

6. What happens if I do not repay on time?

Failure to repay on time will result in penalties, reduced loan limits or inability to access another loan.

Note that accounts in default for more than two weeks will be blacklisted and reported with the Credit Bureaus.

7. Why is my initial loan limit zero?

Failure to repay on time will result in penalties, reduced loan limits or inability to access another loan.

Note that accounts in default for more than two weeks will be blacklisted and reported with the Credit Bureaus

8. Why was my loan limit reduced to zero?

This is due to poor loan repayment history. If your loan is overdue for a long time you cannot access a new loan immediately. We will notify you via text if you are reconsidered for a loan.

Get Bayes today and enjoy reliable mobile transactions!

Bayes is a cutting edge Digital mobile lending and Payments application that allows customers to borrow micro loans, send money to each other, schedule & pay bills, pay merchants among other many features. Basically, all your mobile transactions.