Access to affordable credit remains one of the biggest barriers to opportunity for many Kenyans. Here is how Sterling Credit is helping close the gap.
Access to financial services remains a major challenge for many Kenyans. Salaried workers face emergencies between paydays, small traders need stock before customers pay, and families who want cleaner energy struggle with the upfront cost. Traditional lenders often ask for collateral or paperwork that many people simply don't have.
Credit designed around real lives
As a non-deposit-taking microfinance institution, Sterling Credit focuses on products that fit the way people earn and spend. Personal loans and salary advances are disbursed via M-Pesa, often within 30 minutes, with repayment periods of 1 to 12 months. SME, asset-based and climate smart loans extend the same principle to businesses and households.
Reaching the underserved
Of the more than 5,000 individuals we have financed, around 60% are women. Through over 1,000 SMEs financed, our lending has helped support more than 1,000 jobs. These numbers matter because each one represents a school fee paid, a shop restocked or a family that could plan ahead.
Beyond lending
Inclusion is about more than a loan. We work with clients to understand their repayment plans, encourage responsible borrowing and share practical financial literacy so that credit becomes a tool for progress rather than a burden.