FulizaLimit started with one frustration — that Fuliza limits felt random. Today we help thousands of M-Pesa users see exactly what drives their limit, and what to do about it.
Esther Wambui founded FulizaLimit in 2021 after several years working in Kenya's mobile lending and credit scoring industry, including roles building risk models for digital lenders serving millions of M-Pesa customers. She saw first-hand how few users understood what actually moved their Fuliza limit up or down.
With a background in credit risk, mobile money data, and consumer fintech across East Africa, Esther built FulizaLimit around three principles: clarity (show the real factors, not guesswork), guidance (turn the score into a concrete plan), and transparency (no hidden fees, no guarantees we can't back up).
Under her leadership, FulizaLimit has grown from a small Nairobi pilot to a service used by over 42,000 Kenyans nationwide, guiding more than KES 1.8B in combined limit increases.
No vague scores. We show you the actual factors behind your Fuliza limit, in plain language.
Every report ends with concrete next steps — the same actions Safaricom's own criteria reward.
No hidden charges and no promises we can't keep. You always know what a step will and won't do.
Esther built FulizaLimit's scoring model around real Kenyan spending patterns — small daily transactions, seasonal income, informal business cash flow. There's no single "correct" way to use M-Pesa, so we look at the full picture, not just one number.
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