SME & Merchant Access

Make your business visible, prepared and ready for financial opportunities.

Konto helps traders, artisans, merchants and microbusinesses build digital profiles, improve financial readiness and connect to trusted partner opportunities.

Problem Statement

Many small businesses operate daily, generate income, employ people and serve communities, but remain invisible to formal financial institutions. Without proper records, business profiles, transaction history or structured onboarding, many SMEs struggle to access accounts, credit, insurance, payment tools or growth support.
Konto helps close this gap by supporting SMEs and merchants with practical tools for visibility, readiness and partner access.

What Konto Provides for SMEs

Business Profile Setup

We help SMEs create basic digital business profiles that show who they are, what they do and where they operate.

Financial Records Templates

Konto provides simple tools and templates to help small businesses track sales, expenses and basic performance.

Partner Referral Readiness

Eligible businesses may be referred to licensed partners, financial literacy programmes or development initiatives.

Merchant Visibility

Konto helps registered merchants become visible within community and partner activation programmes.

Merchant Readiness Support

We support merchants with the information and documentation needed to engage more confidently with financial service partners.

Who should register?

  • Market traders
  • Shop owners
  • Food vendors
  • Transport operators
  • Artisans
  • Service providers
  • Informal businesses
  • Cooperatives
  • Youth-led enterprises
  • Women-led businesses
  • Community merchants

SME Journey

SME Journey

Provide basic business and contact information.

Create a Business Profile

Build your digital merchant profile.

Improve Financial Readiness

Use Konto tools, templates and literacy content.

Join Merchant Programmes

Participate in financial literacy clinics and partner-readiness activities.

Access Partner Opportunities

Where available and eligible, connect with licensed partners and approved programmes.