Making invisible businesses
visible.
Tawi is a WhatsApp agent that helps women micro-entrepreneurs track sales, manage stock, and build verified financial records — so they can access credit and grow. Send a voice note or a text in your local language. We handle the rest. Free to start, always.
financial profile
always
any local language
She runs a business.
The world doesn't see it.
Every evening, Grace counts her cash and it's less than it should be. She doesn't know if it's credit she forgot, stock she miscounted, or a supplier who shortchanged her. The money is gone and she can't point to where.
She is not an exception. She is the rule — millions of women micro-entrepreneurs running real businesses with no records, no credit history, and no way to prove what they have built.
It was the absence of a tool
that worked the way she does.”
Three steps.
One voice note at a time.
No app to download. No form to fill. No English required. Grace sends a voice note or a text in her local language — we handle everything else.
Grace sends a WhatsApp voice note or text in her local language — Swahili, Sheng, or any language she uses — describing what she sold, what she restocked, or who owes her. No format required.
The agent transcribes, interprets, and logs every transaction. Each night it cross-checks her records against her M-Pesa activity — Pochi la Biashara, Paybill, or Till — so her records are always grounded in real transactions.
After 90 days, Grace has a verified financial profile — a real picture of her business she can share with her SACCO, her supplier, or a microfinance institution to access the credit she has always deserved.
A real record of your business — verified, not just written down.
Every voice note and text you send builds a transaction history that is cross-checked against your M-Pesa activity — whether you use Pochi la Biashara, a Paybill, or a Till number. After 90 days you have something you have never had before: a complete, trusted picture of your business you can share with anyone.
Built for the woman
every other tool forgot.
Middle to low-income women micro-entrepreneurs in peri-urban African cities — determined women who are not looking to stay small.
“Every evening I count my money and it's never what I expected. I just want to stop that feeling.”
“Najua ninafanya vizuri — but I can't prove it. I'm working hard but I can't tell if I'm actually moving forward.”
Turning invisible businesses
into visible, fundable enterprises.
We are not building a tool. We are building the financial infrastructure that Africa's informal economy has never had.
Built with the people
who know this world.
Tawi works alongside the organisations, institutions, and communities already present in the lives of women micro-entrepreneurs across Africa.
We work with financial institutions committed to supporting women in the informal economy. If your organisation wants to reach more women with reliable financial histories, we would love to talk.
We partner with organisations running women's economic empowerment initiatives. If you work with women micro-entrepreneurs and want to equip them with a practical business tool, get in touch.
Tawi connects with your existing M-Pesa account — whether you use Pochi la Biashara, a Paybill, or a Till number. No new accounts or setup required. Just the mobile money you already use every day.
Already part of a chama or savings group? Tawi works even better together. Members track their businesses individually and build records that support each other's growth — and their group's lending decisions.
We work with trusted suppliers across Kenya to make restocking easier for the women on our platform. If your business supplies goods to small traders and wants a smarter way to reach them, reach out.
Tawi is introduced by women who are already part of the communities we serve — at the market, in the estate, within the chama. Real people who understand the work, and bring Tawi to those who need it most.
Ready to make your
business visible?
Start tracking your sales and stock today — free, on WhatsApp, in your own language. Your financial record starts with your first message.