Last Updated: November 9, 2026
We do real business (informal lending). You fund the portfolio, we share the profits with you every 30 days.
Karot is a product of Sooz Ltd, a company duly registered in Kenya. By engaging in business with Karot, the customer agrees to be bound by these terms and conditions.
Karot operates an informal lending business. Funds invested by users are used to issue short-term loans to borrowers. Karot shares the profits generated from this business with the investors. This is not a get-rich-quick scheme.
Eligibility: You must be 18 years or older and provide a valid M-PESA number.
Minimum Investment: You can start investing with as little as Ksh 100.
Payouts: Profits are scheduled based on your plan duration. Payouts are deposited directly to your M-PESA every 30 days. No questions asked.
No Hidden Fees: We do not charge any hidden administration fees. The ROI stated on your plan is exactly what you earn.
You can cancel your plan anytime and request back your capital. However, if you withdraw before maturity, a 30% penalty will be applied to your capital, and you will forfeit any accrued interest. The remaining funds will be sent to your Available Balance.
While we operate a real business, all investments carry some level of risk. Karot (Sooz Ltd) is not liable for losses resulting from force majeure events or systemic economic failures. We encourage responsible investing.
Personal information collected is kept strictly confidential in compliance with the Kenya Data Protection Act, 2019. We do not sell or share customer information with third parties except as required by Kenyan law.
These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of Kenya.