Who we are
Our History
It is the dream of everyone to live a dignified life and be able to grow their sources of income to attain financial stability. However, this dream often faces several challenges especially in developing and middle-income economies like Kenya where the social gap is significantly huge. It is on this basis that Yes Credit Limited (YCL) was founded as a Kenyan microfinance institution focused on promoting financial inclusion for underserved communities in Kenya’s informal economy, which employs over 80% of the workforce. The company addresses critical gaps in credit access, asset acquisition, and inefficient financial processes through three core product offerings including; Microfinance, Boda Boda Asset Financing, and Market Bond Financing.
Driving Purpose
Yes Credit Limited believes that financial inclusion is a right, not a privilege. We uplift those below the poverty line with innovative, mobile-first credit, community trust, and financial education. Inspired by global microfinance leaders, we deliver tailored solutions to Kenya’s unbanked, walking with clients from dreams to prosperity across every county
MISSION
To uplift underserved communities with innovative, tech-savvy, and adaptable financial tools, sparking entrepreneurship, enabling asset ownership, and fostering lasting economic strength.
VISION
To become Africa’s most trusted and accessible microfinance partner, transforming lives and communities through responsible lending, innovation, and collaboration.
Core Values
The values we hold dear. We are governed by a strict set of values that keep us going.
Integrity
We uphold honesty and transparency in all our operations, ensuring clients trust us with their financial growth and wellbeing.
Innovation
We leverage technology-driven, mobile-first solutions to provide simple, fast, and adaptable financial services for underserved communities.
Community Trust
We build lasting relationships through partnerships, peer accountability, and inclusive practices that prioritize community success over profit.
Our Key Strengths
We leverage our key strengths to provide our customers and partners with the best services possible.
01
Technology Integration
The use of M-Pesa for loan processing and repayments ensures accessibility, transparency, and efficiency, aligning with Kenya’s high mobile penetration rate.
02
Community Trust
Partnerships with local associations like the Kenya Boda Boda Association and Market Traders’ Associations enhance credibility and outreach.
03
Scalable Products
The combination of microfinance, asset financing, and working capital loans allows YCL to serve diverse market segments, from civil servants to informal traders.
04
Social Impact
Our focus on underserved communities aligns with Kenya’s Vision 2030 goals for financial inclusion and economic empowerment.
"Yes Credit helped me own my boda boda within a year. Now I earn double what I used to. Yes Credit helped me own my boda boda within a year. Now I earn double what I used to."
Juma, Rider
"Yes Credit was the go-to financier when I was expanding my mitumba business. They offered affordable loans with very flexible plans."
Marion, Seller
"With my logbook, I received my loan directly to my M-Pesa within minutes. YCL is in deed a great financing partner.
