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Brighter Africa Limited


Brighter Africa is a non-deposit-taking and non-banking finance company. Borrowers don’t need to have savings in order to be legible for our products and services.

End-To-End Service

Brighter Africa is a loan lending and advisory firm providing end-to-end services to Small and Medium-sized Enterprises (SMEs) across 12 out of 47 counties in Kenya.

Collective Focus

Our firm’s philosophy revolves around committed teamwork with a collective focus on ethics, swift execution, quality and excellence. We pride ourselves on the comprehensive strategies and tailored solutions provided to our clients based on the strength of our intellectual capital and experience.

Strategic Solutions

Our services in the developing world unlocks the potential for small businesses to grow. Our Loans enable small businesses to excel by giving them funds to either start-ups, expansion, modernization or rehabilitation of our client’s businesses.

Supporting Progress

We are committed in supporting progress to 12 out of 47 counties across Kenya. We recognize that the increasing convergence of global markets, local people and regional economies is the fundamental driver of global security and social improvement.



Brighter Africa is a non-deposit-taking and non-banking finance company. Borrowers don’t need to have savings in order to be eligible for our products and services.


  • Our clients operate small and medium businesses in low-income informal markets.
  • Net income of Ksh 200-500 per day but with high buy-at / sell-at margins.
  • Short business cycles of about 1 to 30 days.
  • 90% Female traders seeking to provide for their family needs.
  • 95% rural markets in agriculture, FMCG, household goods and service value chains.
  • 38% under 35 years old.
  • 90% of our clients are women and 10% constitute male clients.
  • Strong work ethic with a highly entrepreneurial outlook.
  • Highly resilient and seek a better future for themselves and their families.

How Brighter Africa Works

Why Us?

We provide fast and easy loans within 24 hours.
We offer weekly repayments of up to 8 weeks.
We are cashless. Payments are done via phone using M-Pesa.

Loan Requirements


Valid ID of the applicant and guarantor.
Passport photo of the applicant and guarantor.
One-time application fee of Kshs. 150.
Processing fee of 150 or 400 depending on the loan applied.

Application Process

Application Process

Our agents visit your business, home and guarantor’s home for loan security confirmation.
Pay application fee of Kshs. 150 and/or processing fee of Kshs. 150/400.
Agent to submit a fully filled application form.
Details are verified then loan is disbursed.

Payment Process

Payment Process

Go to Lipa na M-Pesa on your Safaricom M-Pesa menu.
Select “Paybill”
Enter Business Number (See all Paybill numbers)
Enter Account Number (Your phone number or ID number)
Enter Amount.
Enter Pin.
Confirm details are correct then send.
You will then receive a confirmation message from M-Pesa and from us.


Want to invest in your own loan business? Join us though our franchise program and start operating today.


We are present across different counties with 12 branches and still growing.


We enable you to operate your loan business without high overhead costs with an easy onboarding setup.


A single point of contact makes it easy and fast to get help and clear information.



For enquiries on how to be part of us, fill in your details and we will be in touch.