Registered MSMEs, sole proprietors, corporate entities, and employed or self-employed individuals with verifiable income or business cash flows.

Standard requirements include a Business Registration Certificate/CR12, KRA PIN certificates (company and directors), 6–12 months of certified bank/M-Pesa statements, and national ID/passport copies of directors.

Decisions are typically made within 24 to 48 hours once all supporting documentation and verification checks are completed.

TipPoint typically discounts up to 70%–80% of verified corporate invoices or Local Purchase Orders (LPOs), providing immediate working capital.

Invoices issued to vetted corporate clients, multinational companies, government agencies, healthcare facilities, and established private enterprises.

Facilities generally run on 30, 60, or 90-day repayment cycles aligned with the underlying buyer's payment terms.

Commercial motor vehicles, specialized machinery, medical/healthcare equipment, and industrial hardware.

Yes, borrowers typically contribute a deposit of 10% to 30% of the asset's total value, with TipPoint funding the remaining balance.

The asset is joint-registered (e.g., logbook or chattel mortgage) and serves as collateral until the facility is fully cleared.

Depending on the loan size and business cash flow profile, options range from unsecured cash-flow facilities to chattel-secured or guarantor-backed micro-loans.

Repayments can be processed via M-Pesa Paybill, direct bank transfer (EFT/RTGS), or standing instructions.

No early repayment penalties are charged, and early settlements may qualify for reduced overall interest charges depending on the facility agreement.

TipPoint works with the business owner to engage the debtor, but ultimate recourse rests with the primary borrower as per the facility terms.