Clean books unlock the capital to grow
A few months of recorded sales become the financial proof that can qualify you for working capital — funded by licensed partners and repaid as you sell. No paperwork. No collateral. No bank visit.
Qonta is rolling out working capital with licensed bank & MFI partners. Start recording today to build the track record that qualifies you.
Your working capital
Built from your books
Eligibility, as your records grow
Illustrative only. Limits and terms are set by the licensed partner.
Bookkeeping is the wedge. Capital is the reward.
Qonta makes your business visible to lenders. You keep simple books on WhatsApp; those books become the financial identity that unlocks working capital you couldn't access before.
Most shops are invisible to lenders
Not because they're risky — because they keep no books. No record means no loan, however well the business is doing.
Your sales are the application
Every sale and expense you record builds a real financial track record — the proof a lender actually needs.
Capital that fits a small shop
Small, flexible working capital to restock, bridge a slow week, or seize an opportunity — repaid from your own sales.
From a WhatsApp message to working capital
Five steps, all inside the chat you already use every day.
- 1
Record your sales & expenses
On WhatsApp, just say what happened — “sold 3 coffees for 6000”, snap a receipt, or forward a mobile-money message. Qonta files it instantly.
- 2
Qonta builds your track record
Day by day, your cash flow becomes structured, organized books — the financial history lenders need but most shops never have.
- 3
Your books become your application
Qonta's underwriting engine reads your records and scores your readiness — no forms, no collateral, no bank visit.
- 4
Qualify for working capital
When you're ready, a licensed partner can offer working capital. You see the amount and terms up front, and accept right in the chat.
- 5
Repay as you sell
Repayment flexes with your business — a small share of sales rather than a fixed monthly burden. Pay down faster whenever you like.
A limit that grows as you do
Working capital isn't one big loan — it's a line that expands as your track record strengthens. Keep clean books, and the amount you can access keeps climbing.
Starts small, grows with you
Your first offer is modest. Every clean, consistent month raises how much you can access.
Consistency beats size
Steady records matter more than big numbers. Recording regularly is what builds trust.
Time in the books counts
The longer your history, the stronger your profile — so the best time to start is today.
Repayment that moves with your business
Instead of a fixed monthly payment that hurts on a slow week, a small share of each sale goes toward repayment. Busy days pay down more; quiet days pay down less. You always know exactly what's left, right in the chat.
- A small, agreed share of sales — never a surprise lump sum
- Repay early, in part or in full, with no penalty for getting ahead
- Your balance and progress are always one message away
Illustrative conversation
Capital that does real work in your shop
Restock inventory
Buy stock before you sell out — never turn a customer away.
Buy in bulk
Take supplier discounts that need cash up front.
Bridge a slow week
Smooth out cash flow when sales dip or payments are late.
Seize an opportunity
A bulk order, a new product, a busy season — move when it matters.
Who funds it — and Qonta's role
Qonta is not a lender. Working capital is provided by licensed bank and microfinance (MFI) partners, who set the final terms and make every lending decision under their regulatory licence.
Qonta is the underwriting engine: we turn your recorded books into a credit assessment our partners can trust — so good businesses get seen, and capital reaches the shops that earn it.
What we look at
Nothing you have to prepare — it's all built from the books you keep on WhatsApp.
A few months of records — Consistent history beats a single big month.
Healthy, regular cash flow — Money coming in steadily over time.
Sales vs. expenses balance — Signs the business sustains itself.
Steady recording habit — Keeping books regularly is itself a strong signal.
Fair, clear, and on your side
No hidden fees
Any fees or interest are set by the partner and shown clearly before you accept. Qonta adds no surprise charges.
You stay in control
An offer is never an obligation. See the terms, decide freely, and only accept what works for you.
Your data is yours
Your books are used to assess your eligibility — not sold. You choose to share them when you apply.
Working capital, answered
Do I need collateral or paperwork?+
No collateral and no forms. Your recorded sales and expenses are the application — Qonta builds the financial picture for you.
Is working capital available right now?+
We're rolling it out together with licensed bank and MFI partners. The best thing you can do today is start recording your books, so your track record is ready the moment financing is available in your area.
How much can I get, and what will it cost?+
Limits start small and grow with your history. The amount, any fees, and repayment terms are set by the licensed partner and shown to you clearly before you accept — never a hidden charge from Qonta.
Do you check my credit history?+
Qonta builds your profile from your own recorded cash flow. Partners may also apply their own checks and policies as required by their licence.
What if I have a slow week and can't repay much?+
Repayment is designed to flex with your sales — you pay a small share of what you actually sell, so quiet weeks cost less. If you ever run into trouble, message us and we'll help; specific terms are set by your partner.
Who can see my financial data?+
Your books are yours. Qonta uses them to assess your eligibility and, when you choose to apply, to share an assessment with a partner. We don't sell your data. See our Privacy Policy for details.
How do I start building eligibility?+
Message Qonta on WhatsApp and record your sales and expenses as you go. That daily habit is exactly what builds your track record — and your path to working capital.
Start keeping books today. Build toward capital tomorrow.
Every sale you record is a step toward working capital. It begins with one message on WhatsApp.
Or message us on WhatsApp 0787 820 842— we're happy to help.