14-Day Payroll Float

On most Kenyan sites, cash arrives in lumps tied to valuation certificates and interim payment schedules, while wages leave in steady weekly or fortnightly payments. The mismatch is not a sign of a badly run business — it is how construction finance works. The trouble is that the workers who feel it first are the ones you can least afford to lose, and cash raised at short notice is usually expensive or informal.

The float is secured against wages FundiPay can already verify. Because attendance is captured on a geofenced digital muster roll and rates are recorded per worker, the amount owed for the days worked is known and provable before a single shilling moves. That verified wage bill, not a handshake, is what the float advances.

You approve payroll as usual. FundiPay covers the wages and pays every fundi directly by M-Pesa B2C on the normal pay day. When the valuation certificate lands and the client pays, the float is repaid — no rolling overdraft, no weekly interest trap.

The float is a cash-flow tool for verified wage cost, not a general loan against the business. That keeps it predictable: repayment is tied to the certificate that was always coming.

• Keeping Friday payroll on schedule through a certificate delay.
• Holding skilled fundis through a slow payment cycle.
• Avoiding informal cash lenders and their interest.
• Smoothing wages across the fortnight between valuations.

An unverified wage bill is unfundable — nobody can advance money against a paper muster roll a foreman could inflate. FundiPay can advance against wages because the attendance behind them is geotagged, timestamped and locked before payroll runs. You get reliability; the funder gets evidence; the fundi gets paid on Friday either way.