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Who we are ?

Cemes Micro Franchise Limited, is your financial partner that provides fast and easy way of accessing revolving credit line for growth and prosperity of your business. With a blazing fast mobile lending platform, we have delivered our promise to over 25000 business lending over KES 520 million across Kenya.

We address challenges of lack of funds by micro-credit to deepen rural entrepreneurs' outreach through our Microfinance franchising model which offers an opportunity to rural entrepreneurs using institutional structures to meet credit demand.

The business involves allowing entrepreneurs to own branch outlet using company brand, IT systems, Portfolios and standardized processes under a special agency arrangement. The concept provides insulation to the entrepreneur by providing a degree of stability, security and predictability that they wouldn’t rely achieve on their own.

why choose us ?

Experience in Microfinance lending - Our employees have specialized knowledge in micro-credit to adequately serve MSME market needs.

Dedicated Employees - Over 100 knowledgeable employees care about creating remarkable customer experience. Some of our Relationship Officers been serving small business owners for the last 7 years.

Expansive industry knowledge - CEMES Ltd has been among the first Kenya companies to offer mobile lending combined with relationship management. We have strong backing from leading Telco’s company in Kenya

Mobile platform - We believe that financing should be easy to our customers. That is why we offer mobile lending to small business owners to apply quickly from anywhere anytime.

What we do ?

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 franchisees fast funding while providing a remarkable financing experience guided by years of experience.



Human Resource management and Capacity Development.


Infrastructure Development, Corporate Governance and customer service


Information Technology and Information systems.

Portfolio of Funds

Increase shareholders value