Centiflow
Centiflow is redefining salary advances in Kenya by providing fast, transparent, and employer-backed financial solutions for employees.
We exist to offer a dignified alternative to predatory digital loans and rigid bank procedures. By working directly with registered employers, Centiflow ensures that employees can access short-term salary advances—securely and affordably—through a seamless platform integrated with their workplace.
Disbursements are made within hours via M-Pesa, and repayments are automatically deducted from monthly salaries, reducing the risk of debt spirals. Employers retain control through a dedicated dashboard, while employees benefit from clear terms and upfront interest—no hidden charges.
We partner with progressive companies across industries to deliver financial wellness as an employee benefit, helping reduce financial stress, improve productivity, and build trust within the workforce.
At Centiflow, we’re not just offering credit—we’re championing responsible digital finance. Our mission is to support financial inclusion that empowers employees without compromising their stability.
Centiflow: Bridging today’s needs. Building tomorrow’s confidence.