Who qualifies?
Registered agents with at least three consecutive active trading months and approved KYC documentation.
A commission-based facility for eligible registered Olickhom Airtime Agents. Understand how qualification, limits and repayment work before applying.
Log in to Agent PortalRegistered agents with at least three consecutive active trading months and approved KYC documentation.
Your limit is assessed from average monthly commission, trading history and internal eligibility criteria.
Repayments can be deducted automatically from commissions or paid directly by M-Pesa from the agent loan page.
Facilities are exclusively for registered Olickhom Airtime Agents. An agent must have traded actively for at least three consecutive months and submitted all required KYC documentation.
Eligibility and limits are based on average monthly commission, trading history, commission performance and Olickhom's internal assessment. Approval remains at Olickhom's discretion.
Approved amounts are disbursed through designated channels. The approved amount, repayment schedule and applicable fees will be communicated before disbursement.
By accepting a loan, the agent authorizes Olickhom to deduct repayments from earned and future commissions until the balance, fees and charges are fully settled. The agent may also repay directly through M-Pesa by entering the amount they wish to pay on the agent loan page. M-Pesa repayments are credited to the loan statement after successful M-Pesa confirmation.
Information and documents must be accurate and complete. False, misleading or incomplete information may lead to rejection or cancellation.
An unpaid loan becomes a default on its due date and loan access is blocked. A daily penalty of 1.00% applies from the due date to the unpaid loan amount, excluding earlier penalties. Repayments settle penalties first. Agents with no repayment are suspended from loans immediately; agents with a partial repayment are suspended five days after the due date if a balance remains. Suspension affects loans only: the agent account remains accessible. Payment never automatically lifts suspension; an administrator must reinstate loan access. Any recovery above the outstanding debt is credited to the agent commission balance.
Olickhom may amend these terms. Updated terms take effect upon publication or communication to agents.
By applying for and accepting an Agent Loan, the agent confirms they have read, understood and agreed to these Terms and Conditions.
Log in to view your commission-based limit, complete KYC and apply securely.
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