Centenary Microenterprise Services
CEMES
Relationship-managed microcredit for micro and small enterprises across Kenya.
Why CEMES
Built for the way you run your business
Not a faceless loan app — a microcredit partner that knows your enterprise.
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.
Transparent costs
Know the numbers before you apply
A worked example of how we explain total cost — illustrative until published rates are confirmed.
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.
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.