Empowering Your Financial Future

Experience the new standard of micro-finance in Kenya. Instant approvals, transparent rates, and seamless M-Pesa integration tailored for your growth.

Who We Are

Your Trusted Partner in Financial Growth

Driving Economic Growth in Kenya

At Pato Kash, we combine technology with empathy to bridge the financial gap for Kenyan entrepreneurs and families. We are more than just lenders; we are partners in your success story.

Whether you need emergency funds or capital to stock up your shop, our digital-first approach ensures you get funds when you need them most.

Fully Registered & Compliant
Zero Hidden Fees Policy
24/7 Customer Support

ZADI PATO LIMITED CBK Licensed & Regulated LICENCE No. CBK/DCP/2025/153

Pato Kash Mobile App - Get Safe and Stable Support

Our Core Offering

Licensed Digital Credit Provider (DCP) - Regulated by CBK

Instant Mobile Credit

Access funds directly on your phone 24/7. We disburse cash instantly to your M-Pesa account, ensuring you have liquidity whenever you need it.

Personal Loans

Designed strictly for individuals. Whether it's for school fees, medical emergencies, or daily expenses, our flexible limits grow with your repayment history.

Secure & Regulated

As a Central Bank of Kenya licensed DCP, we adhere to the highest standards of consumer protection, data privacy, and transparent pricing.

How It Works

Get your loan in minutes through our mobile app

Download App

Get the Pato Kash app from your app store and install it on your phone.

Register & Verify

Create your account and complete quick identity verification in the app.

Apply for Loan

Submit your loan application directly through the app in just a few taps.

Receive Funds

Get instant approval and funds sent directly to your M-Pesa account.

Let's Talk

Have questions about our services? We're here to help. Reach out to us.

Head Office [Floor/Building Name], [Street Name], Nairobi, Kenya

Call Us +254 700 000 000

Email support@patokash.co.ke