Small and medium enterprises are the backbone of Kenya's economy. The right financing at the right time can turn a struggling business into a growing one.
Small and medium-sized enterprises are the backbone of Kenya's economy, employing a large share of the workforce and supplying much of what we buy every day. Yet many SMEs struggle to grow because they can't get financing when they need it.
The cash-flow gap
Most small businesses are profitable on paper but tight on cash. Stock has to be bought, salaries and rent paid, and suppliers settled long before clients pay their invoices. A short gap can stall a business that is otherwise healthy.
Financing that fits
Sterling Credit's SME loans are built for these realities:
- Working capital loans to cover salaries, inventory, rent and utilities.
- Expansion loans for new equipment, staff, locations or marketing.
- Invoice & LPO financing to unlock cash tied up in unpaid invoices and purchase orders.
Loans range from KES 50,000 to 1,000,000, with flexible repayment of up to 36 months and disbursement to your business account or via M-Pesa.
Growth that multiplies
When an SME grows, the benefits spread: more jobs, more suppliers paid and stronger communities. Supporting small businesses is one of the most direct ways to drive economic development, and it is at the heart of what we do.