Till numbers have steadily become a backbone of modern business operations in Kenya, especially among small and medium enterprises (SMEs) that rely on fast, secure and traceable payments.
From retail shops and salons to hardware stores, pharmacies and eateries, the adoption of till numbers has enabled businesses to accept cashless payments conveniently while keeping proper transaction records.
Beyond easing customer payments, till numbers have also become an important financial tool, opening up new opportunities for business owners to access credit based on their daily cash flow.
The Co-operative Bank of Kenya is one of the lenders offering this financing option to businesses using Till Numbers to receive payments.
The product is designed to support biashara operators by offering instant working capital linked directly to their till transactions.
For many SMEs, cash flow remains one of the biggest challenges. Business owners often need quick funds to restock shelves, pay suppliers, cover transport costs or manage urgent operational expenses.
Yet traditional loan processes can sometimes be lengthy, requiring paperwork and waiting periods that do not match the urgency of day-to-day biashara needs.
Co-op Bank’s Till Biashara Loan offers a convenient alternative by enabling eligible traders to borrow instantly based on their till activity.
The facility allows customers to access loan limits ranging from Sh1,000 to Sh300,000, giving entrepreneurs flexible borrowing options depending on the size and performance of their transactions.
The loan is structured for short-term business needs, with repayment periods of 7, 14, or 30 days, allowing traders to match borrowing with business cycles such as weekly or monthly stock turnover.
Co-op Bank customers can access the loan through multiple digital channels. Applications can be made via the Co-op Bank App, the YEA App, or by dialing *667#, making the process accessible even for businesses operating without smartphones.
How to apply for Co-op Bank’s Till Biashara Loan via *667#:
- Dial *667# on your phone.
- Select E-Loans.
- Choose the Till/Biashara Loan option.
Co-operative Bank Group has continued to demonstrate a strong commitment to supporting small and medium-sized enterprises (SMEs), reinforcing its role as a key partner in driving financial inclusion and enterprise growth across the country.
In the Full year ending December 31, 2025, the lender disbursed Sh72.96 billion through its E-Credit platform, a digital credit solution.
Notably, Sh10.43 billion of the total E-Credit disbursements was directed specifically to micro, small and medium-sized enterprises (MSMEs).
This funding provided essential working capital and liquidity support, helping businesses across various sectors to maintain operations, restock, meet obligations, and expand their activities in a challenging economic environment.
Since its inception, the E-credit platform has disbursed more than Sh500 billion. Beyond access to financing, Co-op Bank has also strengthened its MSME value proposition through tailored solutions designed to meet the unique needs of small businesses.
During the year under review, the Bank onboarded more than 259,000 MSMEs onto specialized MSME packages, further expanding its reach within this important segment of the economy.
In addition, the Bank invested in strengthening the capacity of entrepreneurs by supporting over 71,000 MSMEs through training and capacity-building programmes.
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