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Step-by-step guides for Kenyan SMEs. Filter by category or search.

A tailoring business owner reviews a handwritten expansion budget in a bound notebook, viewed from behind her shoulder with the page facing her.
Business Growth

What Kenyan entrepreneurs should know before applying for a business grant

28 October 2026 · 23 min read

NYOTA, TEF and WIDU: compare eligibility, funding, matching contributions, application windows and the work a grant requires.
A laptop shows Creditinfo’s public consumer credit-report page at a small-business counter.
Finance & Banking

CRB in Kenya: How to Check Your Credit Record, Clear a Listing and Build Your Score

28 October 2026 · 14 min read

Learn what Kenya’s credit reference bureaus record, how to get your report and what to do if a listing is wrong.
A print-shop owner calls a customer while checking an invoice with KES 14,000 outstanding.
Business Growth

How to Get Paid in Kenya: Invoicing, Debt Recovery and the Small Claims Court

28 October 2026 · 14 min read

Build a clear invoice trail, follow up overdue accounts and choose an appropriate recovery route, including Small Claims Court.
An open bound sales ledger with handwritten entries, a calculator and labelled sales, purchases and payroll files at an unoccupied shop counter.
Finance & Banking

Keeping Business Records in Kenya That Survive a KRA Audit

28 October 2026 · 12 min read

Keep the records that support each transaction, meet KRA’s retention rules and prepare for a records request or audit.
Viewed from behind the readers, a business owner and tax adviser examine an objection letter and supporting records facing their seats.
Tax & KRA

Objecting to a KRA Assessment in Kenya: The Objection and Appeal Route

28 October 2026 · 12 min read

Understand the objection deadline, what makes a valid filing, what KRA must decide and how to appeal.
A green and ivory tea carton bearing the Asali Labs wordmark beside loose tea and a heat sealer on a tea-packing counter.
Registration & Legal

Registering a Trademark in Kenya: The KIPI Process, the Fees and What It Protects

28 October 2026 · 12 min read

Learn how KIPI’s trademark process works, what searches and fees to expect, and what registration protects.
Supplier reviewing the current e-GP supplier-registration form on a laptop at a small business counter
Business Growth

How to Register as a Supplier on Kenya’s e-GP Portal

12 October 2026 · 6 min read

A practical guide to e-GP supplier registration, required records, authorised representatives and the separate tendering process.
Blank four-week cash-flow worksheet on a desk beside a calculator and receipts
Business Growth

A Weekly Cash-Flow Forecast for a Kenyan Small Business

12 October 2026 · 5 min read

A simple four-week worksheet, with a worked example, carry-forward rule and practical steps when a cash gap appears.
Kenyan supplier preparing business documents at a wholesale stockroom counter
Registration & Legal

PPRA Supplier Registration: Requirements, Preparation and Latest Status

12 October 2026 · 5 min read

The PPRA supplier-registration call for 2026/27–2027/28 closed on 21 October 2026. Use its requirements only as a preparation reference; verify all requirements in a future PPRA call.
KRA iTax portal concept displayed on a laptop in a Nairobi office
Tax & KRA

How to Get a Tax Compliance Certificate through iTax in Kenya — 2026 Guide

9 September 2026 · 8 min read

Apply for a KRA Tax Compliance Certificate on iTax, fix common compliance gaps, and verify the certificate before you use it.
Stock ledger, calculator, clipboard and generic cartons in a Kenyan SME storeroom
Tax & KRA

KRA Stock Records and eTIMS: What Kenyan SMEs Need to Prepare for in 2026

9 September 2026 · 9 min read

Understand KRA’s stock-management announcement, the records to prepare, and what has not yet been announced.
Black Kenyan founder comparing three business-structure folders and an ownership diagram at a desk
Registration & Legal

Business Structure Comparison: Sole Proprietorship vs Company vs LLP in Kenya

1 September 2026 · 10 min read

Compare sole proprietorships, companies, and LLPs before registering your Kenyan business.
Black Kenyan business owner reviewing a closed records folder beside an abstract permissions dashboard
Registration & Legal

Data Privacy Compliance for Kenyan SMEs: The 2026 Guide

1 September 2026 · 11 min read

Learn how Kenyan data-protection rules apply when your SME collects and stores customer information.
Black Kenyan employer organising a payroll calendar, payslips, calculator, and deadline tabs
Registration & Legal

Kenya Employer Payroll Compliance Calendar 2026

1 September 2026 · 12 min read

Track the statutory deductions, remittance deadlines, and agencies that matter when you hire in Kenya.
Black Kenyan employer and candidate reviewing a first employment offer together
Registration & Legal

Hiring Your First Employee in Kenya: The Complete 2026 Guide

1 September 2026 · 11 min read

Understand the legal, tax, and payroll duties triggered by hiring your first employee in Kenya.
Black Kenyan logistics worker inspecting a sealed pallet with a clipboard and shipping records
Business Growth

Import Procedures for Kenyan Businesses: The Complete 2026 Guide

1 September 2026 · 12 min read

Follow the customs, KEBS, KRA, and HS-code steps for importing goods into Kenya.
Black Kenyan artisan preparing locally made goods and a route plan for cross-border export
Business Growth

AfCFTA Export Strategy for Kenyan SMEs: The 2026 Guide to African Trade

August 29, 2026 · 11 min read

Use rules of origin, Certificates of Origin, and the Digital Trade Portal to reach African markets.
Black Kenyan shop owner packing an online order beside a phone order and laptop product grid
Business Growth

Cross-Border E-commerce for Kenyan SMEs: The 2026 Guide to Selling Across Africa

August 29, 2026 · 10 min read

Reach African customers through supported platforms, payment corridors, logistics, and AfCFTA customs steps.
Black Kenyan shopkeeper reviewing a phone-based lending workflow beside a POS terminal and handwritten sales ledger
Finance & Banking

Digital Lending for Kenyan SMEs: The 2026 Guide to Fintech Borrowing

August 29, 2026 · 10 min read

Compare licensed digital lenders in Kenya: current CBK rules, total-cost checks, and borrower safeguards for SMEs in 2026.
Black Kenyan merchant connecting a payment device, phone, receipt printer, and laptop workflow
Finance & Banking

M-Pesa Business Automation & API Integration: The 2026 Kenyan SME Guide

August 29, 2026 · 9 min read

Connect M-Pesa to accounting, point-of-sale and online checkout, reconcile payments and keep useful business records.
Black Kenyan founders reviewing a beneficial-ownership diagram and registration workflow
Registration & Legal

Business Registration in Kenya 2026: BRS V2, Beneficial Ownership and the KRA PIN Question

August 28, 2026 · 9 min read

BRS V2 registration services, company BOF filings and the beneficial-owner tests, plus how to check the KRA PIN position before relying on automatic issuance.
Black Kenyan warehouse worker checking cargo weight and valuation records beside a pallet
Tax & KRA

Reported KRA Consolidated-Cargo Benchmark: What the KSh3.2M Reference Does — and Does Not — Mean

August 28, 2026 · 8 min read

Reports in August 2026 cited a KSh3.2M consolidated-cargo reference. Learn what is reported, what is not settled, and how to ask for the basis of your assessment.
Black Kenyan logistics worker archiving an import declaration packet beside a sealed carton
Tax & KRA

Kenya's New Export-Document Requirement for Importers From 1 September 2026

August 28, 2026 · 7 min read

Section 23B took effect on 1 September 2026. Importers must obtain and retain export declarations or equivalent customs documents and produce them to the Commissioner on request.
Black Kenyan merchant reconciling a payment terminal, invoice, receipt, and calculator
Tax & KRA

Specified Payment-Platform Fees and VAT in Kenya: What Section 32 of the Finance Act 2026 Changes

August 28, 2026 · 8 min read

The Finance Act 2026 removed the VAT exemption on payment processing, settlement, acquiring, gateway and aggregation fees. What the 16% VAT means for SMEs, with worked examples.
Black Kenyan digital business owner reviewing a cross-border payment workflow on a laptop
Tax & KRA

Significant Economic Presence (SEP) Tax in Kenya: The 3% Tax on Digital Income (2026)

August 18, 2026 · 9 min read

Kenya’s 3% SEP tax can apply to qualifying services supplied by non-residents to users in Kenya. This guide distinguishes SEP scope, resident income and separate eTIMS duties.
Black Kenyan business owner reviewing an abstract PIN-recovery workflow beside a closed records folder
Tax & KRA

How to Retrieve Your KRA PIN: All Official Ways (2026)

August 12, 2026 · 8 min read

Forgot your KRA PIN or password? The official ways to retrieve it: iTax 'forgot password', KRA self-service call lines, email support and KRA offices — with safety warnings.
Black Kenyan shopkeeper checking an unbranded merchant terminal, receipt printer, and fee ledger
Finance & Banking

M-Pesa Till (Lipa na M-Pesa): Registration, Charges & Limits (2026)

August 12, 2026 · 10 min read

How to register a Lipa na M-Pesa till number in 2026, what merchants actually pay (up to 0.55%, capped at KES 200 per transaction), and the limits you should know.
Black Kenyan adviser helping a foreign founder review a business registration folder and laptop workflow
Registration & Legal

Register a Business in Kenya as a Foreigner (2026)

August 12, 2026 · 12 min read

Step-by-step guide for foreigners and the diaspora registering a business in Kenya in 2026: BRS on eCitizen, 100% foreign ownership, foreign company branch, work permits and KRA PIN.
Black Kenyan business owner reviewing a tax amnesty records folder, calendar, checklist, and calculator
Tax & KRA

Tax Amnesty Kenya 2026: How the 100% Waiver Works

August 12, 2026 · 11 min read

Kenya's 2026 tax amnesty waives 100% of penalties, interest and fines on qualifying tax liabilities up to 31 December 2025; the principal tax remains payable. Check your position with KRA or iTax and confirm the current payment-plan route if needed.
Black Kenyan professional reviewing marked-up Finance Act 2026 policy notes beside a calculator
Tax & KRA

Finance Act 2026 in Kenya: What Changed for SMEs (Complete Guide)

August 11, 2026 · 10 min read

The Finance Act 2026 for Kenyan SMEs: 2027 filing periods, resident and non-resident rental income, a targeted petroleum-contractor rate, VAT bad-debt refunds and effective dates.
Black Kenyan employer and worker reviewing a 2026 minimum-wage rate sheet and payslip
Registration & Legal

Kenya Minimum Wage 2026: Full Rates, Gazette Numbers and Employer Duties

August 11, 2026 · 9 min read

The 2026 Kenya minimum wage: official Gazette rates (Legal Notices 108 and 109, effective 1 May 2026), occupation tables, the agricultural order, arrears and the employer compliance checklist.
Black Kenyan shop owner checking an invoice, supplier ledger, and withholding calculation
Tax & KRA

Withholding Tax in Kenya: Rates, Rules and 2026 Changes for SMEs

August 11, 2026 · 9 min read

Withholding tax in Kenya explained for SMEs: the 2026 rates table, who must deduct, the 5-working-day remittance rule, penalties and what the Finance Act 2026 changed.
Black Kenyan business owner marking tax deadlines on a wall calendar and desk planner
Tax & KRA

Kenya Tax & Statutory Deadlines 2026: The Monthly Compliance Calendar for SMEs

August 8, 2026 · 8 min read

Every KRA, NSSF, SHIF and Housing Levy deadline a Kenyan SME must hit in 2026: the 9th payroll cluster, the 20th VAT/TOT cluster, quarterly instalments, and the June 30 annual return.
Black Kenyan owner and adviser assessing shop assets with a valuation worksheet and calculator
Finance & Banking

Business Valuation in Kenya: Complete 2026 SME Guide

June 24, 2026 · 9 min read

Compare three business valuation approaches using worked examples, illustrative multiples and fee assumptions, with the distinction between equity and enterprise value explained.
Black Kenyan colleagues reviewing and signing an employment agreement at an office desk
Registration & Legal

Employment Contracts in Kenya: Complete 2026 SME Guide

June 24, 2026 · 8 min read

Complete 2026 guide to employment contracts in Kenya. Learn what the Employment Act requires, mandatory terms, notice periods, and how to draft a compliant contract for your SME.
Black Kenyan shop owner reviewing equipment protection records and an insurance checklist
Finance & Banking

Business Insurance in Kenya: Complete 2026 SME Guide

June 17, 2026 · 8 min read

Complete 2026 guide to business insurance in Kenya. Learn about WIBA, fire cover, public liability, and other essential insurance covers for SMEs. Costs, providers, and step-by-step process.
Black Kenyan clothing-business owner reviewing a business plan, budget charts, and sales notes
Business Growth

How to Write a Business Plan in Kenya: Complete 2026 Guide

June 17, 2026 · 9 min read

Step-by-step guide to writing a business plan in Kenya. Learn what banks, investors, and grant agencies look for. Includes a free template and financial projection examples.
Black Kenyan professional reviewing a property transfer folder beside keys and a capital-gains calculator
Tax & KRA

Capital Gains Tax (CGT) in Kenya: Property Transfer Guide 2026

June 10, 2026 · 7 min read

Complete 2026 guide to Capital Gains Tax (CGT) in Kenya. Learn about the 15% rate, exemptions, how to compute the tax, and the step-by-step payment process via KRA iTax.
Black Kenyan warehouse worker sealing an export carton while checking a shipping clipboard
Business Growth

Export Procedures in Kenya: Complete SME Guide 2026

June 10, 2026 · 8 min read

Complete 2026 guide for Kenyan SMEs on export procedures. Learn how to export goods, get an AfCFTA Certificate of Origin, navigate KRA customs, and access international markets.
Black Kenyan small-business owner planning product content with a phone, camera, and laptop calendar
Business Growth

Digital Marketing for Small Businesses in Kenya: Complete 2026 Guide

June 3, 2026 · 8 min read

Complete guide to digital marketing for Kenyan SMEs. Google Business Profile, social media marketing, Facebook ads costs, WhatsApp Business, and low-cost strategies that work.
Black Kenyan entrepreneur preparing an SME grant proposal with a project budget and timeline
Business Growth

SME Grants & Government Funds in Kenya: Complete 2026 Guide

June 3, 2026 · 8 min read

Complete guide to government grants and funds for Kenyan SMEs. Uwezo Fund, Youth Enterprise Development Fund (YEDF), Women Enterprise Fund (WEF) — eligibility, amounts, interest rates.
Black Kenyan shopkeeper reading a phone-based tax chat workflow beside a handwritten sales ledger
Tax & KRA

How to File KRA Returns on WhatsApp Using Shuru Chatbot (2026)

May 29, 2026 · 6 min read

Use KRA’s Shuru WhatsApp service on 0711 099 999 for the return-filing and invoicing options available to your account, with guidance on deadlines and when to use iTax.
Black Kenyan employer and employee reviewing a SHIF contribution roster and enrollment folder
Registration & Legal

SHIF Registration for Employers in Kenya: Complete 2026 Guide

May 27, 2026 · 6 min read

Step-by-step guide to SHIF registration for employers in Kenya. Learn how to register with SHA, the 2.75% contribution rate, employee registration, and compliance requirements.
Black Kenyan shopkeeper tallying gross sales in a handwritten notebook beside dated receipts and a calculator
Tax & KRA

Turnover Tax (TOT) for Small Businesses in Kenya: Complete 2026 Guide

May 27, 2026 · 6 min read

Complete guide to Turnover Tax (TOT) for small businesses in Kenya. Learn the 1.5% rate, who qualifies, how to register on iTax, filing process, penalties, and when to switch to VAT.
Black Kenyan merchant comparing a generic till terminal and phone payment flow on a two-column worksheet
Finance & Banking

M-Pesa PayBill vs Till Number: Which One for Your Business?

May 25, 2026 · 5 min read

Compare M-Pesa PayBill and Till Number for your Kenyan business. Learn which payment method suits your business type, from retail shops to e-commerce stores.
Black Kenyan SME owner preparing VAT registration documents beside invoices and a registration workflow
Tax & KRA

VAT Registration in Kenya: Complete 2026 Guide

May 25, 2026 · 7 min read

Complete guide to VAT registration in Kenya — who must register, current 16% standard and 0% zero-rated treatment, step-by-step iTax application, monthly returns, and compliance requirements.
Black Kenyan employer and worker reviewing a social-security contribution roster and enrollment folder
Registration & Legal

NSSF Registration for Employers in Kenya: Complete 2026 Guide

May 22, 2026 · 6 min read

Step-by-step guide to NSSF registration for employers in Kenya. Contribution rates for Phase 4 (2026), how to register online or in-person, and payment methods including M-PESA.
Black Kenyan founder and adviser reviewing a business bank account opening form and checklist
Finance & Banking

How to Open a Business Bank Account in Kenya (2026)

May 16, 2026 · 6 min read

Step-by-step guide to opening a business bank account in Kenya. Best banks for SMEs, documents needed, online vs branch, and tips for approval.
Black Kenyan SME team assembling a sealed tender submission, procurement checklist, and company profile
Business Growth

Government Tenders for SMEs in Kenya: Complete Guide

May 16, 2026 · 7 min read

How small businesses can win government tenders in Kenya. Registration process, AGPO program, tender stages, and winning strategies.
Black Kenyan SME owner cross-checking a paper ledger beside an abstract laptop filing workflow
Tax & KRA

iTax Filing for Small Businesses in Kenya: Step-by-Step

May 16, 2026 · 7 min read

How to file your taxes through KRA iTax as a small business owner. From registration to monthly returns, with screenshots and common pitfalls explained.
Black Kenyan entrepreneur discussing a cooperative loan application and repayment ledger with an adviser
Finance & Banking

Sacco Loans for SMEs in Kenya: Access Affordable Credit

May 16, 2026 · 6 min read

How SMEs can access affordable loans through Saccos in Kenya. Compare rates, understand requirements, and choose the right Sacco for your business.
Black Kenyan shopkeeper preparing a neutral single-business-permit application at the storefront
Registration & Legal

Single Business Permit: How to Get One in Nairobi & Other Counties

May 16, 2026 · 6 min read

How to apply for a county business permit, prepare the documents and check the current county fees, licence scope and renewal terms for your activity.
Black Kenyan business owner comparing neutral financing folders beside a cash-flow notebook and calculator
Finance & Banking

Best Business Loans in Kenya for SMEs (2026)

May 14, 2026 · 7 min read

Compare the top business loan options in Kenya — from KCB to M-Pesa, Saccos to government funds. Interest rates, requirements, and application tips.
Black Kenyan merchant reconciling electronic invoices with a receipt printer, POS terminal, and laptop grid
Tax & KRA

eTIMS Compliance Guide for Kenyan SMEs (2026)

May 14, 2026 · 6 min read

Is your business eTIMS compliant? Learn what eTIMS is, who needs it, how to register, and penalties for non-compliance.
Black Kenyan founder preparing business details for a secure tax PIN registration workflow
Tax & KRA

KRA PIN Registration for Small Businesses in Kenya

May 14, 2026 · 5 min read

Everything you need to know about getting a KRA PIN for your business — online application, required documents, and common mistakes to avoid.
Black Kenyan shopkeeper receiving a customer payment at an unbranded till terminal with a printed receipt
Finance & Banking

M-Pesa Till Number: How to Get One for Your Business

May 14, 2026 · 5 min read

Apply for an M-Pesa Business Till, understand its payment and withdrawal features, and compare the published tariff with reported changes.
Black Kenyan founder reading a business registration checklist and ownership notes beside a laptop workflow
Registration & Legal

How to Register a Business in Kenya: Complete 2026 Guide

May 14, 2026 · 6 min read

Step-by-step walkthrough of registering a business name or company in Kenya via eCitizen BRS. Costs, documents needed, and timeline.