Your Booking History Is Your Credit Score.
Miali Capital offers fair, fast micro-loans to beauty professionals — assessed entirely on your performance data. No payslips. No collateral. No bank bias.
Requires an active Miali account with at least 60 days of booking history.
Banks see a cash business. We see a credit history.
Over 70% of beauty professionals in East Africa have no access to formal credit — not because their businesses aren't viable, but because traditional lenders can't read the data that proves it.
You need KES 80,000 for a new styling chair. Your bank wants 3 years of bank statements.
Miali's Credit Engine:
We read your 12-month Miali transaction history instead. If your volume and reliability score qualify, you get an offer — no paperwork chase.
Booth rent is due and a slow week left you short. No one to borrow from professionally.
Bridge Loans:
Short-term capital for booth rent, stock purchases, or emergencies — available when your performance data shows you can repay.
You've heard of microfinance, but the interest and group-guarantee models don't work for you.
Individual Credit:
No group guarantees. No weekly meetings. Your credit standing is yours — built on your own performance, not your neighbour's.
You accepted a loan before and couldn't track what you owed. Surprises came at the end.
The Credit Ledger:
Every disbursement, interest charge, and repayment is visible in your dashboard in real-time. Full transparency, always.
Growing businesses. Real results.
Beauty professionals who let their performance data do the talking.
"I applied on a Monday. By Tuesday afternoon the money was in my M-Pesa. I bought a new dryer and paid it back in 4 months."
Joyce
Hair Salon Owner, Nairobi
"The Credit Ledger is so clear. I always know exactly what I owe and when. No hidden charges, no surprises."
Kevin
Barber, Mombasa
"No bank would look at me because I'm a sole trader. Miali Capital looked at my bookings instead. I got the loan in 24 hours and opened my second station."
Amina
Suite Renter, Kigali
"I used it to buy extension hair in bulk at wholesale. Saved more than the interest cost me. That's just smart business."
Mercy
Braider, Kampala
"The repayment schedule was set around my slow season. They actually understand how a beauty business works."
Nia
Nail Tech, Lagos
From data to disbursement in 24 hours
No branch visits. No bank statements. Your performance record is already in the system.
Our engine reads your performance
Connect your Miali account and our credit engine analyses your booking volume, rebooking rates, and shift completion record over the past 12 months.
- ✓Monthly transaction volume from miali.app
- ✓Client rebooking rate — loyalty signals reliability
- ✓Shift completion rate from Miali Shifts
Receive a clear, transparent offer
Within minutes, you receive your credit profile: the loan amount you qualify for, the flat interest rate, and a repayment schedule built around your income cycle.
- ✓Flat-rate interest — no compounding surprises
- ✓Loan term options from 1 to 6 months
- ✓No obligation to accept the offer
Accept and receive funds in 24 hours
Accept the offer and the funds are disbursed to your M-Pesa or bank account within 24 hours. Every repayment is tracked in the Credit Ledger — live, transparent, and yours to see.
- ✓Direct to M-Pesa or registered bank account
- ✓The Credit Ledger tracks every transaction
- ✓On-time repayments build your credit profile for larger future loans