In Kenya’s dynamic economy, where many workers live paycheck to paycheck, salary advances have emerged as a vital tool for improving financial resilience among employees. Whether it’s a medical emergency, school fees, or rent due before payday, the need for short-term liquidity is real—and growing. That’s where Centiflow steps in.
At Centiflow, we offer a structured, employer-approved solution that provides employees with quick access to salary advances—and thanks to M-Pesa, the funds are delivered straight to their mobile phones in minutes.
What Is a Salary Advance?
A salary advance is a short-term loan issued against an employee’s future salary. Unlike traditional loans, salary advances are easier to access, lower in cost, and repaid directly through payroll deductions. With Centiflow, the process is simple, digital, and fully transparent.
Why M-Pesa Disbursement Matters
M-Pesa is Kenya’s most trusted mobile money platform, with over 30 million users nationwide. By leveraging M-Pesa for disbursements, Centiflow ensures:
- Instant Access – Funds hit your phone within minutes of approval.
- No Bank Hassles – No need to visit a bank or fill out long forms.
- Wider Reach – Even employees in rural areas or without bank accounts can receive funds.
- Secure Transactions – M-Pesa’s encryption and audit trails protect every shilling.
How Centiflow Works
- Employer Onboarding
A company signs up and uploads their employee list through the Centiflow portal. - Employee Registration
Employees register using a unique employer code and verify their identity. - Loan Request & Approval
Employees log in, view their available limit, and request a salary advance. The employer reviews and approves the request. - M-Pesa Disbursement
Upon approval, Centiflow processes the request and disburses the funds directly via M-Pesa. - Repayment
At the end of the month, the employer deducts the loan amount from the employee’s salary and remits it to Centiflow.
Benefits of Centiflow’s Salary Advance Solution
✅ Fast – Approvals and disbursements happen in less than 24 hours
✅ Flexible – Employers can set custom limits and interest rates
✅ Affordable – Transparent interest, no hidden fees
✅ Empowering – Helps employees avoid predatory lending or loan apps
✅ Compliant – Fully aligned with Kenya’s Data Protection Act and payroll policies
Join the Movement
We believe that financial wellness starts at the workplace. Salary advances are no longer a privilege—they’re a practical necessity. With Centiflow and M-Pesa, employers can offer a high-impact financial benefit that truly matters.
Ready to empower your team?
Contact us today to learn how Centiflow can support your workforce with fast, secure, and stress-free salary advances.