Your business is worth more than you think. Let's prove it.

Ticknut Workspace

How it works

From your first transaction to funded.

1

Record your transactions

We give you a simple platform to log sales, expenses, and payments. No accounting experience needed. Already have records? Bank statements, Airtel Money, receipts — anything works.

2

Build up 3 months of history

Three months gives lenders enough to see a real picture of your business. Already have past records? You may qualify sooner than you think.

3

We build your Business Health Score

Our team turns your transactions into a verified Business Health Score — income, cash flow, and profitability — in a format banks and lenders actually trust. You don't do this part. We do.

4

Get funded

Your score becomes your application. We match you to the right funding and money reaches you via mobile money or bank transfer.

Funding

Once your Business Health Score is ready,
here's what opens up.

We look at your score and match you to the funding that fits — not the other way around.

Business Loan

Fixed funding for stock, equipment, or expansion. Assets can unlock larger amounts.

Term loan

Overdraft Facility

Covers you when cash gets tight. Draw what you need and repay as revenue comes in.

Revolving credit

Invoice Financing

Stop waiting on slow-paying clients. Turn unpaid invoices into working capital today.

Working capital

Care Plus

Fast, collateral-free financing for asset purchases — equipment, tools, whatever you need to grow.

Asset financing

So, who can access this?

Active Ticknut usersWith at least one verified Business Health Score.

3+ months of transactionsRecorded with us or from your existing records.

Any business typeSole traders, partnerships, or registered companies in Malawi.

Any sectorAgriculture, retail, services, manufacturing — all welcome.

Build My Business Health Score Talk to us first

FAQ

Things people usually ask us.

Still not sure? Just message us and we'll walk you through it.

Chat with us on WhatsApp
Either works. If you have records — bank statements, mobile money history, receipts, or handwritten books — we'll process those. If you're starting fresh, we give you our platform to begin today. You'll need at least three months of activity before we generate your score.
One month doesn't tell much of a story. Three months shows how consistent your income is and whether your business is genuinely growing. If you already have past records, you might qualify sooner than you think.
Not necessarily. Informal businesses and sole traders can absolutely build a Business Health Score. Some funding products do require registration — we'll tell you exactly what applies to your situation.
Only you. We never share it with anyone — not a bank, not a lender — unless you decide to. You're always in control of who sees it and when.
Yes, there is a fee — and it depends on your business size and what you need. Fill in the form below and we'll walk you through the options. No commitment required.

Businesses already building with Ticknut.

From small traders to growing companies — they started where you are now.

Client 1
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Ready to take the first step?

Fill in your details and we'll reach out to get you set up.