Micro-Finance Portfolio


We specialise on Revolving Credit and Franchise Financing

At Cemes Limited, we understand that businesses exist in a fast paced and ever changing environment that requires flexible everyday solutions. Our products are built on this knowledge; making us your go-to people for quick and easy personal and business cash loans.

Our mobile lending platform allows you to access between 3,000 to 15,000 shillings to cover critical bills such as stock uptake, hospital bills and others. Over the last 4 years we have lent out money to over 50,000 business owners across the country helping them reach their potential at ease by availing cash to them when they needed it most.

Revolving Credit

Revolving credit line provides a flexible financial arrangement solution to micro-businesses to access funds at their discretion to meet their business needs. The product is designed for micro-businesses to buy inventory at critical time, manage employees payroll or pay the bills e.g. hospital bills, school fees, burial costs etc while waiting for payments to arrive from slow customers or business season to boom.

Franchise Financing

Get simple, fast financing for every franchise need with CEMES Ltd, from remodels and new stores to equipment upgrades and working capital. CEMES LTD has worked with franchise owners to provide them with the financing they need to expand their businesses. Franchisees can access up to Kes 1Million financing. With flexible terms and payment options, CEMES offers franchises fast funding, while providing a remarkable financing experience guided by years of experience.