Get Your Next Loan Approved Faster
Turn your M-Pesa statements into professional loan reports accepted by Banks, SACCOs, and Chamas – in 2 minutes.
🔒 Your data stays private
🎉 Be among the first 100 to get free access
The Problem Every Informal Income Earner Faces
💔 Over 4 million Kenyans (14% of adults) get rejected for loans every year*
*FSD Kenya FinAccess Household Survey 2024/2025
Loans get rejected because your records aren't organized
Whether it's a Business Loan, Personal Loan, or SACCO Loan – they all need proof of income. Handwritten notes don't cut it.
Every lender demands a clean statement they can trust
Banks, SACCOs, Chamas, Women's Fund, WEF – all ask for organized M-Pesa statements showing steady income.
Manual bookkeeping takes hours every month - or gets skipped entirely
Copying 200+ M-Pesa transactions into Excel, fighting with PDF passwords, and reconciling totals is exhausting - or worse, you skip it and get rejected.
How M-Recon Works
Upload your Safaricom M-Pesa statement
PDF, CSV, or even a screenshot – 60 seconds to get started, passwords handled automatically.
We turn it into a professional loan report in 2 minutes
Income, expenses, cash flow, and trends organized into a format lenders trust. Ready to submit to your SACCO, Bank, or Chama.
Submit to Banks, SACCOs, or Chamas
Download as bank-ready PDF or Excel export. Share directly with lenders to increase approval chances. Both formats accepted by all Banks, SACCOs, and Chamas.
Proof until screenshots land
What lenders receive: Bank-ready PDF + Excel export
Shaped by interviews with SACCO credit officers and informal earners, so every section matches the checklist lenders actually use when approving loans. Download as PDF or Excel - both formats accepted by all Banks, SACCOs, and Chamas.
Cash-flow timeline lenders expect
6-month cash-flow analysis (up to 12 months available) showing incoming vs. outgoing M-Pesa transfers so credit officers see repayment capacity at a glance. Delivered as PDF + Excel.
Loan-ready summary page
Business snapshot with total float, largest payers, and daily average volume mapped to the exact sections SACCO loan forms request. Professional PDF format.
Audit trail straight from M-Pesa
Every transaction keeps the original reference ID and timestamp, so banks can validate authenticity without emailing you back and forth. Exportable to Excel for their systems.
Trusted by the People Who Need Loans the Most
SACCO pilots kicking off
Pilot discussions underway with Kimisitu SACCO and Nairobi community lenders. Waitlist members get first invites.
50+ informal earners getting early access
Mama Mbogas, Boda Bodas, Jua Kalis, and freelancers already joined to secure faster loan approvals.
Interviewed with real customers
20+ deep interviews with Kenyan SMEs & hustlers shaped the product — we build exactly what lenders request.
Simple Pricing - Pay Only When You Need a Report
No subscriptions required. Pay KES 200 per report, or go unlimited for KES 400/month. First 100 users get 3 months FREE. 🎉
Free
KES 0
Try M-Recon risk-free
- 3-month M-Pesa analysis
- View-only report (no download)
- Income & expense breakdown
- Community support
Pay-Per-Report
KES 200
Perfect for one-time loan applications
- 6-month full report (up to 12 months)
- PDF + Excel export
- Income/Expense categorization
- Ready for SACCOs, Banks, Chamas
- Valid for 30 days
Monthly
KES 400/mo
For heavy users & Chama leaders
- Unlimited reports
- 12-month history
- Expense tracking dashboard
- Priority support
- Early access to new features
💡 First 100 users get FREE access for 3 months - then choose the plan that fits your needs.
Join the Waitlist - Get 3 Months Free
Be among the first 100 users to get 3 months completely FREE. After that, pay only KES 200 per report or KES 400/month for unlimited access. No credit card required to join.