FAQs

Kulman Group is a financial services provider that offers salary-based advances and lending solutions through your employer. Our aim is to help you access funds easily when you need them most. 

Eligibility depends on:
– Being an active employee of a partnered company
– Meeting minimum net salary requirements
– Not exceeding borrowing limits (typically 40% of net salary)
– Having HR-approved payroll data shared with us
– Want to check? Simply dial the USSD – *483*14#

You can apply directly using your phone:
– Dial *484*14#
– Enter your PIN
– Select Advance Facilities
– Choose the product (e.g., Jipange Na Advance)
– Follow the prompts to apply.