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How to Deposit Money into Equity Bank account with M-Pesa

Equity Bank of Kenya’s  Lipa na M-Pesa paybill number is 247247. Their mobile banking service is dubbed Eazzy 247 thus the paybill number 247247.

The Procedure for depositing money via M-Pesa to your Equity Bank of Kenya account is as follows

  1. Go to M-Pesa menu on your phone, select “Lipa na M-Pesa
  2. Select “Paybill
  3. Select “Enter business no.” and enter the 247247 as the business no and press “OK”
  4. Select “Enter account no” i.e. Equity Bank account number (e.g. 0100 xxxx xxxx) and press “OK”
  5. Enter amount i.e. amount you want to deposit and press “OK”
  6. Enter your M-PESA PIN and press “OK”
  7. Confirm all the details are correct and press “OK”
  8. You will receive a verification window from M-Pesa where you have 1 minute to verify that the details are correct, if correct, dismiss or ignore, if wrong, enter the number 1 and press OK to cancel the transaction
  9. You will receive a confirmation SMS from M-Pesa immediately.
  10. Equity Bank will then send you a confirmation SMS shortly.


What Is SEO / Search Engine Optimization?

Search Engine Optimization (SEO) is strategies, techniques and tactics to increase the number of visitors to a website by obtaining a high-ranking placement in search results.

Don’t just stop at getting a website done. SEO adds value to a website once the design and development have been taken care of.

Ask your designer or developer for SEO services. If they don’t offer, browse the internet for local experts on SEO.

Search engine optimization is often about making small modifications to parts of your website. When viewed individually, these changes might seem like incremental improvements, but when combined with other optimizations, they could have a noticeable impact on your site’s user experience and performance in organic search results.

Why Kenyan Businesses Should not Ignore AGPO

business opportunities

1. One will be able to participate in the 30 percent of government tenders that have been set aside for youth, women and persons with disability through AGPO.
2. Accessibility to credit/loan facilities namely LPO/LSO financing from the Youth Enterprise Development fund.
3. A participant in a tender will be excluded from the requirement to get a bid bond and will instead fill in and sign a tender securing declaration form.
4. Where delay of payments for works performed are likely to happen, a procuring entity may facilitate invoice discounting arrangements with a financial institution for the purpose of advancing credit to the affected enterprises.


How did AGPO come about?

In February 2012, His Excellency the Retired President, Hon. Mwai Kibaki directed that 10% of all Government contracts be earmarked and awarded to the youth. The Policy directive was informed by the Government’s realization that in order to meaningfully address the issue of youth unemployment. It is necessary to give them opportunities to participate in government contracts and tenders.

In 2013,His Excellency the President Uhuru Kenyatta, pledged that the procurement rules would be amended to allow 30 per cent of contracts to be given to the youth, women and persons with disability without competition from established firms. His Excellency the President directed that the issue of 30 per cent allocation of all Government procurement to the youth should be adhered to, warning those who will fail to effect the directive will be sacked.

Access to Government Procurement Opportunities in Kenya

For every startup business that intends to pursue government opportunities, the AGPO program that is the avenue for government tenders and opportunities is a must join.

The Presidential Directive on the women, the youth and persons with disabilities access to 30% of government procurement opportunities is been implemented within the context of a program called AGPO (Access to Government Procurement Opportunities) which was officially launched by His Excellency the President, Uhuru Kenyatta, on October 16th, 2013 in Nairobi County.
The Access to Government Procurement Opportunities (AGPO) program is founded on the Presidential Directive, the Preference and Reservations Regulations 2011, the Public Procurement And Disposal (Preference And Reservations) (Amendment) Regulations, 2013, the Constitution of Kenya 2010 Article 227 on the fair equitable, transparent and cost-effective public procurement of goods and services, the Constitution of Kenya 2010 Article 55 on affirmative action, the Public Procurement and Disposal Act, 2005, and the Public Procurement and Disposal Regulations, 2006.

What is the aim of the Access to Government Procurement Opportunities (AGPO) Program?
The aim of the AGPO Program is to facilitate the enterprises owned by women, youth and persons with disability to be able to participate in government procurement. This will be made possible through the implementation of the Presidential Directive that 30% of government procurement opportunities be set aside specifically for enterprises owned by women, youth and persons with disability. It is affirmative action program aimed at empowering women, youth and persons with disability by giving them more opportunities to do business with Government.

How to get access to Kenyan Government Tenders

Step 1 – Register a business enterprise at the Attorney General’s Office in the form of a sole proprietorship business, partnership business, limited company or a co-operative. The enterprise owned by youth, women or persons with disabilities shall be a legal entity that—
(a) is registered with the relevant government body; and
(b) has at least seventy percent membership of youth, women or persons with disabilities and the leadership shall be one hundred percent youth, women and persons with disability, respectively.
Step 2 – If business is a partnership, get a partnership deed from a lawyer, if it is a limited company a CR12 from the registrar of business names and for a co-operative, its constitution and membership.
Step 3 – Acquire a PIN and tax compliance/ tax exemption certificate from the Kenya Revenue Authority website or offices.
Step 4 – Acquire all required certifications from professional bodies and authorities such as National Construction Authority, Insurance Regulatory Authority, ICPAK, LSK, National Council for Persons with Disability, NEMA, ERC and all other authorized bodies.
Step 5 – Open a bank account for the business and acquire a bank reference from the bank.
Step 6 – Access the website www.agpo.go.ke and register online or visit your county government headquarters and register there.

How to apply online for AGPO Certificate

Step 1: Log into www.agpo.go.ke and click on register.

Step 2: Create account by filling in personal details, email address and by setting password. Once this is complete, an activation link is sent to your email account.

Step 3: Open your email and check for the activation email in the inbox or spam .Activate your AGPO account by clicking on the link sent to your email address.

Step 4: Log into the AGPO system under returning user Page using email address and the password you had set in step 2 above.

Step 5: Register business by providing information in the required fields and attach the required scanned documents.

Procedures for seeking a Tax Compliance Certificate in Kenya

The following procedures should be observed by the taxpayers seeking TCC.

  • Application for a Tax Compliance Certificate shall be on the prescribed form “Tax Compliance Certificate Application Form” (Form TCC1). This can be downloaded from KRA website (at http:/www.kra.go.ke) or obtained from the nearest Domestic Taxes Department Station.
  • The completed TCC Application form should contain the correct Personal Identification Number (PIN). In case of limited liability companies and partnerships, the names and PIN of the Directors or Partners as the case may be, shall also be provided.
  • The completed Application Form should be submitted to the KRA station where the applicant is registered for tax purposes. An applicant who may not be conversant with his/her domicile station should seek assistance from the nearest Domestic Taxes Department Station.
  • The applicant shall ensure that all self assessment returns for tax obligations registered for are submitted and all outstanding tax liabilities settled. The same applies to directors or partners in case the applicant is a Limited Liability Company or Partnership.
  • An application should be submitted at least thirty (30) days before the intended date of use.
  • The TCCs are system generated and signed by the Station Manager, the Deputy Station Manager or the Compliance Programme Manager.

How to verify a Tax Compliance Certificate in Kenya

Tax compliance has become one of the major requirement for businesses to trade in Kenya. To subscribe to tenders and business opportunities, business and their directors need to be tax complaint.

A Tax Compliance Certificate shall be issued to taxpayers who are compliant with the tax obligations as per the tax laws. These obligations are:-

  • Filing of tax returns for the registered tax obligations
    Payment of the assessed taxes
    Declaring the correct income.

Before checking for your tax compliance, you must apply for it through the Kenya Revenue Authority (KRA). Once you apply, a number will be assigned to you that you can use to check the status of your tax compliance.

To verify or check tax compliance, KRA provides a tool called the Tax Compliance Certificate Checker which allows you to confirm the validity of a Tax Compliance Certificate (TCC).

The tool can be used even by third parties to confirm the tax compliance of a business or individual.

How to Effectively Write a Classified Ad on Biashara.co.ke

Biashara.co.ke is a free online classifieds website that allows its registered users to advertise their products and services with the click of a few buttons.

When you create an ad on biashara.co.ke, you instantly create a unique business profile that guarantees that you could be someones next call. A call that could make a difference for your business.

While the registration and ad posting process is flawless, we have left it up to to the creativity of the seller to create an ad that will capture the attention of buyers on the website and straight from search engines such as Google. This is however not always the case. We have witnessed some few mistakes that people are making when creating their ads. Here are a few pointers that we will help your products and services easy to discover.
1. Ad Title & Keywords
The title is the voice of your ad. A title should be short and to the point. Limit the number of words to around 7 words that make up a sensible statement with strong ‘Keyword’ about your product and service. We have found it important when a seller tries to emulate a buyer and ask themselves questions. What would the buyers search for when they want a service or product like yours? How would they phrase the search? Which words would they use? Simply put, you need to know your audience or target market. Don’t forget, the title has to be appealing.

2. Description
The description or body of the ad listing is where you put all the important details about your product or service. Buyers want the finer details and expect you to address any frequently asked questions in brief about your ad listing. Other than the meta information such as the mobile number and address which you will have given during the ad admission, you can also include any other contact information in the description. You aim is to create interest and have the buyers call you up or write you an email.

3. Tags
Tags are words and keywords that are general to your advertisement. Tags can also uniquely categorize your ad to other similar ads on the platform. Ensure that you don’t leave out this part even if it is optional. If however you plan to tag your ad with a word that does not relate to product or service please don’t include it at all.

4. Image
We had the voice earlier at point number one and now we have the face of the ad. Ads that have relevant images attached to them are more likely to be viewed by users on the platform. This applies almost everywhere on the internet. On Biashara.co.ke, you are allowed up to 10 images for each listing. Don’t waste it. Say cheese and upload as much as you can.

5. Share
Wherever you have a profile, be it on your website, Facebook, Twitter or even Google+, you can share the classified ad with your friends and followers. Social media is a great way to get leads that often translate to sales. Don’t be shy, you can also forward the link on chat applications such as Whatsapp. Let people know you mean business.

This has been two minutes worth of your time. Make it count by looking following those steps. Also, keep reading everywhere to get ideas of how you can get the best out of your classified ad(s) on Biashara.co.ke.

How to Register a Limited Company in Kenya

The process of registering a Limited company in Kenya will usually take a minimum of 7 days with all the proper documents provided.

The following steps and process will usually be taken into consideration when getting started.

Name Search & Reservation

The first step to registering a business in Kenya is conducting a business name search that will cost around Kes. 600 and in the event that it is available reserving it for registration. This should be done with regards to the law in writing and accompanied with the prescribed fee.

Fees is dependent on the nominal share capital of the company. The average cost is Kes. 35, 000.


Documents for incorporation of a company (i.e. memorandum and Articles of Association) should be drawn by a lawyer, who should submit the same to the Registry together with the prescribed forms and fees. These forms are obtainable at the Registry.

Applicants who are willing to register a Private company would need to fill in the following forms.

Form 203 – Particulars of Directors and Secretaries.
Form 201 – Notice of situation of Registered Office.
Form 208 – Declaration Of compliance.
Statement of Nominal Share Capital form.

Download forms

On the other hand, applicants who are willing to register a Private company would need to fill in the following forms.

Form 209 – Consent to act as Director of a company.
Form 210 – List of persons who have consented to act as directors.
Form 212 – Declaration that the provisions of sec. 111(2) b have been complied with Statement in lieu of prospectus.

Download forms

Company Secretary

All companies must appoint a qualified certified public secretary as company secretary to act as the manager of the private or public company.

Company Seal

A company seal is an official stamp for companies. You can buy this from many places such as Seal Honey. Also check classified website for sellers, some of whom will deliver directly to your place of business or home.

For a fee, these online consultation websites for business registration in Kenya will handle the process for you