MESH Biz Class Week 6: Tafuta Capital for Your Biz 🤑

You’ve got the biz idea, stalked competitors, crushed the math—but where’s the CASH? We’ve all begged loan apps for 10k (RIP sanity) or slid into squad DMs (left unread 😒). No tears! MESH Week 6 drops the cheat code: hunt funds like a pro—squad hacks, roasting sketchy apps, stacking paper. Turn “I’m broke” to “I’ve got commas!” 💸 Dive in, MESHers! 🚀

Journey yetu from Biz Class Week 1 hadi leo imekuwa pure fire 🔥, super educational 📚, mad fun 😎, kujengana 🚀, and a total success! ✔️🎉✅

Cheki kule tumetoka na pale tumefika kama bosses, MESH fam! 🤩🥳

Biz class week 1

Biz class week 2

Biz class week 3

Biz class week 4

Biz class week 5

Sawa, time to take that final leap, fam! 🚀🔥🙌🏾

Picture this: Umechora biz idea kali, uka-do math kama pro, uka-burn wasee kwa WhatsApp. Then… BAM! Uka-realize: “Niko na idea, but doh iko wapi?!” It’s not about “Niko na 200 bob ya smokie”—REAL DOH!

Wasee, hapa ndio young hustlers get stuck kama TikTok inaload in dial-up mode 😤. But chill! Week 6 ilileta gems kibao: From ‘Nimechoka kuomba Aunty’ to ‘Nime-order CEO cards za nguvu🔥!’ 🚀

Let’s break it down—Githeri man style.

Mesh Biz Class Week 6 ilikuwa poa sana, and the vibe was pure fire 🔥😎

⦁Journey from Day One 🛣️✨

Antoni, our Host, alianzisha by summarizing journey yetu tangu class ya kwanza hadi ya mwisho. Week 6 ilikuwa all about ways za ku-raise capital for your biz. Hii class ilikuwa real eye-opener and a blast of fresh ideas! 👀💥

⦁Njonjo’s Game 💪💸

Njonjo Kiroga alituchanua fiti. Alianza na story yake ya hustle – alikuwa ana-need capital ya ku-launch service biz Nairobi. Lakini, after getting the first client, doh yao haikuwa enough. That’s where walicheza fiti: walikaa chini na client, thanked them well, negotiated like pros, na wakaweza ku-secure a deposit. Strategy safi sana, ama? 🔥👌

Imagine umepata hustle ita-take 5 days, but una-need like 20k kumaliza hio job, plus uko na mtu wa mkono. Assume uta-make 40k from this hustle. According to Njonjo, unafaa kuchora vile client atatoa deposit enough ya ku-cover the materials you need and maybe even mtu wako wa mkono.

Ukicheza poa, uta-reduce risks zako in case your client acheze flat story ya kulipa, na hautakuwa na deni za suppliers wako. 💰📈

⦁Loan Trap – Usichore! 🚫💸

Njonjo alisema hustlers wengi huanza kucheki the big picture before wajue funding itatoka wapi. Kujua the best source ya capital sio easy, wasee. Wengi huenda kwa family, friends, SACCOs, ama wanaamua kuuza vitu zao.

One major point ya nguvu: Usichore kuchukua loan to start your biz! Loan inakuletea pressure mob ya kulipa and it’s risky when bado hauja-test your biz. Plus, bado haujaona the ups and downs of your hustle. So, loan ya kuanza biz ni blunder kabisa!

Njonjo alituchanua hivi: Kama utachukua loan, use it to buy assets or long-term investments, kama tools and equipment za biz yako. Even then, kama biz yako ni mpya, ni better ku-hire equipment. Biz yako ikikuwa established and stable, then hio ni time poa ya kununua costly equipment.

Essentially, Usichukue loan ya kubuy products zitaisha before umalize kulipa deni yako! 🏦💡

⦁Real Hustle Lessons from the Field 🍄🛵

Njonjo alishare vile yeye na wife yake walianza mushroom biz na 50K. They didn’t anticipate vile transport cost ikikula part kubwa ya income. Hii ni lesson important – kama hujacheki details zote vipoa, loan itakuletea stress kibao.

But once umesoma kila detail ya hustle yako and uko na loyal customers, it is okay ku-consider a loan – using it ku-buy kitu kama motorbike to cut transport cost in Njonjo’s case. 👍🏽💨

⦁Savings over Loan 💰👌

Unexpected expenses zinaeza tokea any time. Kama hauna savings, ni better kuuza some stuff for doh than to rely on a loan – after all, hio 20K tenje yako can vanish in a flash if it gets stolen.

Brian Amwayi alituchapia vile alianza his fruits biz using savings zake. Alicheza clean, akajenga customer base poa, then akanunua a second-hand blender for 1,500 bob to kick off his juice game. Pole pole, ali-save enough ya kushika a commercial juicer.

Brian Kitsama na Devin pia walisema that starting na savings zako ni way better than kuomba loan ya kuanza biz. Unfortunately, hustlers wengi hawajui the power of savings. 🍉🍊🍹

⦁Capital Is You 👤🔥

Michael Tanui ali-drop a powerful point: Kama hauna savings, your best capital ni wewe. Learn vile unaeza tumia what you already have. Hio process ya kuanza hustle yako ni a prime chance ya ku-learn. Hizo lessons zitainua game yako. Don’t say “hauna capital.” Anza na what you have – which is you. 💪🏽🌟

⦁Action Time, MESHers! 🚀🙌

Antoni ali-conclude class by urging MESHers to take action beyond just keeping ideas kwa mind. Kila lesson from Week 6 ni kama foundation ya the next big leap.

Tuendelee ku-share, kujengana, na kujituma! 🎉💯

Big Shoutout to @Brian Amwayi 🎉. Ali-share ideas and kuchanuana na other Meshers, and wameanza kujengana!

Meet James, hustler anachora ku-sell lunch to CBD ofisi zombies. His plan? "Wasee wa CBD hawana time mob ya kuenda kwa restaurant kudishi poa, so nitawapeleka food fiti kwa desks zao—no 'Mayai Pasua' trauma!"

But First—BUDGET YA KUWA MSEE WA BIDII:

⦁Food Packaging: KES 5k (For boxes ziko labled "JAMES KITCHEN—Food That Doesn’t Slap, It PUNCHES!")

⦁Boda Rides: KES 3k (Itabidi akuwe tight na boda rider. "Boss, hii ni delivery ya kwanza, usi-add bill kubwa ya fuel!")

⦁Marketing: KES 2k (Flyers + WhatsApp statuses with "Lunch Special! 200 Bob Pekee! No Kachumbari Scarcity!")

⦁Stock: KES 10k (Rice, veggies, nyama—"Hakuna kucheza na food iko boring and unappetizing!")

⦁Misc.: KES 10k (Ya emergency bribes, like fundi wa jiko akikataa kufanya na deposit)

TOTAL: KES 30,000 (Same price as a few days' worth of polite clubbing—but hii biz haitakuwacha na massive regrets! 😂 Priorities, wasee!)

James ain’t mtoi wa pesa, yeye ni smart, msee. Cheki vile ali-fund hustle yake without selling a kidney on OLX:

James alikuwa na KES 10K amesunda in his "Emergency Fund" (read: hidden from his mrembo’s "Babe, twende Bali!" dreams).

⦁PROS: No makarao chasing you with "Niko na goons!" texts.

⦁CONS: Hii hustle iki-flop, utakuwa unakula sukuma wiki straight from the shags for 6 months, so kuchora smart ni muhimu!

James ali-join chama where wasee wana-contribute 2k monthly. Then, alikopa 20K at 5% interest.

⦁PROS: Low rates na payments ni flexible. ("Niliomba extension, wakaniambia ‘Tafadhali, James, si ungesema?’").

⦁CONS: Ukihata payment ata mojs, the group admin ataku-roast kwa WhatsApp group like "Wueeh! Huyu msee alidanganya chama!"

Masterstroke ya Jamo: Tumia profits zako ku-grow! First month, alipata 8K profit. He kept KES 1K for *"chipo na blue band emergencies" then aka-pump 7K back into the biz.

⦁Gospel Truth: "Even if unaanza na 500 bob only, weka kwa hustle, sio kwa SportPesa!"

Kenya ni ya ma-hustlers. Cheki hii menu ya kupata pesa:

⦁How it works: Slide into your uncle’s DMs with "Nimekutafuta kuhusu investment opportunity poa sana…"

⦁PROS: Interest-free (but kuwa ready for "Unakumbuka ile time nili-sort school fees yako?" guilt trips).

⦁CONS: Hustle ikicheza flat, Christmas at shags ita-feel kama court hearing.

⦁SACCOs: Most SACCOs ziko fair. "Wana-require vitu kiasi, kama guarantor, birth certificate, na picha ya shamba ya mzae!"

⦁Digital Loans (Tala, Branch, Okash, and the rest):

⦁PROS: Pesa inakuja faster than your ex’s "I miss you" text after a breakup.

⦁CONS: Interest rates ziko higher than your guy’s hopes after "Niko na connection ya kukupatia tender!"

ROAST ALERT: Hizi apps ni "vultures in app form". Kopa 10k, pay back KES 20k, nab ado uta-get notifications za "Loan Limit Increased!". "Tafadhali, Branch, nimekuambia niko broke!"

⦁Mitumba King: Uza nguo na viatu from Gisho ku-fund tech startup yako. "Kwanza nifanye hustle, nianze app ya kudeliver jeans!"

⦁FIFA Streamer: Ina-charge 50 bob per viewer ku-watch mkichapwa na AFC Bournemouth on FIFA. "Pesa ni pesa—ata kama ni ya kushangilia kufungwa!"

"Kama borrowing itafanya ulale kwa floor, skip! Ni better uanze na 500 bob ya savings zako!"

"Ata Dangote alianza na trading loan modest from uncle yake, na sasa you know pale amefika!"

"Usiambie anyone ile doh umepaya hadi ucheki kwa bank statement yako! Even then, ni poa kucheza chini ukianza hustle mpya.

Kila source ya capital iko na pros na cons. Pick ile option inakufaa, ujipange, and don’t be afraid ku-take strategic risks. Remember, even Safaricom ilianza na 12,000 subscribers inherited from KPTC, before becoming the giant it is today! So, fanya moves, weka plan safi, na uache ku-camp kwa thoughts za ‘Ningekuwa na pesa…’ 

Money follows action, wasee!

Remember! Kila capital source iko na pros and cons—choose what works best for you! 🚀

#MESHBizClass | #TafutaCapitalKamaBoss | #HustleNgumuSioMchezo

#BranchLoanRegrets | #ChamaGroupDrama | #PesaNiMchezo