Centenary Microenterprise Services
Fast, Simple & Reliable Credit Solutions
We offer quick, flexible cash loans for personal and business needs. Access loans from KSh 5,000 to KSh 300,000 through our streamlined platform.
Why CEMES
Grow Your Business & Get More Profit
Centenary Microenterprise Services Ltd. (CEMES) started in March 2011 as a microfinance consultancy firm, serving microfinance and SACCO institutions in Kenya. The business later transformed into a micro-credit organization registered as a limited company by the laws of Kenya, Cap. 486. We focus on micro, small, and medium enterprises to support individuals and strengthen community institutions. Our innovative products are designed around the real needs of small businesses.
Relationship managers
A named contact who understands your cash flow, not a chatbot that times out.
Apply on your phone
Start online, complete what we need, and track progress without a branch queue.
Plain-language costs
Fees and repayment laid out before you commit — no surprise deductions.
Products
Financial Solutions For Every Need
From micro loans to agribusiness financing, CEMES offers a comprehensive suite of products tailored to MSMEs in Kenya.
How it works
Three clear steps
From first click to funds in your account.
- 01
Apply
Tell us about your business and the financing you need — on web or with your relationship manager.
- 02
Assess
We review eligibility, documents, and affordability with you — no black-box surprises.
- 03
Disburse
Accepted offers are disbursed to your account so you can put capital to work.
- 80+
- Active Branches Nationwide
- 180,000+
- Customers Satisfied
- KES 2B+
- Total Loans Disbursed
FAQ
Questions we hear often
Who can apply?+
Micro and small enterprises operating in Kenya. Exact eligibility depends on the product and your business profile — start an application and we will guide you.
How long does approval take?+
Timelines vary by product and how complete your documents are. Many applicants hear back within a few business days after submitting what we need.
Do you publish interest rates online?+
We show illustrative cost examples on this site. Your relationship manager confirms the rates and fees that apply to your offer before you accept.
Is CEMES a bank?+
CEMES is a microcredit company focused on enterprise lending. Ask us for current licensing details if you need them for due diligence.
Ready to finance your next step?
Start an application — a CEMES relationship manager will follow up.