Home - Modesty Credit — Fast Loans in Kenya

Finance that Moves You Forward

Fast, friendly loans for individuals and SMEs with flexible repayment up-to 24 months with branches in Meru, Nkubu, Embu & Thika

Licenced and regulated by Central Bank of Kenya effective 5th June 2025

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Asset Financing Loans

Best for: SMEs, traders, contractors, and expanding businesses.

Own the assets your business needs—without slowing cashflow. Copy: Get funding to purchase income-generating assets like machinery, equipment, tools, vehicles, or business fittings. Repay in flexible installments while the asset supports your growth.

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Business Excel Loans for Working Capital

Best for: Retail shops, wholesalers, service businesses, and SMEs.

Boost your day-to-day operations with working capital for stock, rent, salaries, utilities, and running expenses. Simple application and structured repayment to match your business cycle.

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LSO/LPO Financing

Deliver on your orders—before you get paid.

Finance Local Service Orders (LSO) and Local Purchase Orders (LPO) so you can supply goods or services on time. We help you cover supplier costs and fulfill contracts confidently. Best for: Suppliers, contractors, and tender winners.

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GET TO KNOW US

About Us

Modesty Credit Limited is a credit only microfinance institution, duly incorporated in Kenya with it's head office at Union Square Building, Second floor, Meru Makutano Highway.

Our Story

Loans We Offer

Loans that Meet
your Expectations

Smart, Transparent Lending

We focus on clear terms, quick reviews on complete applications, and tenors up to 18 months. No hidden fees—just loans that fit your cash flow.

Personal & Emergency Loans

For medical needs, family support, home essentials or urgent bills. Typical amounts: KSh 20,000 – 500,000 Tenor: 3–18 months Docs: National ID, KRA PIN, recent bank/M-Pesa statements, proof of income, 2 referees. Good for: Salaried & self-employed clients who need a quick, friendly facility.

SME & Working Capital Loans

Keep stock moving, pay suppliers on time, and cover short cash cycles. Typical amounts: KSh 50,000 – 1,500,000 Tenor: 3–18 months Docs: Business proof (permit/letterhead), recent statements, ID, PIN, 2 referees. Good for: Retail, trade, services & light manufacturing.
Asset Finance

Fund tools, machinery, motorbikes, or equipment that earns. Finance against quotation/invoice Ownership/registration as per product policy School Fees Loans Keep learners in class with predictable repayments. Quick processing on complete applications Flexible schedules aligned to term dates

How Your Loan Works

Eligibility

Step 1

Apply: At Our Branches
Step 2

Verify: Provide ID, KRA PIN, proof of income, bank/M-Pesa statements
Step 3

Decision & Disbursement: Receive funds and repay in friendly installments

Our Services

Services We Offer

At Modesty Credit Ltd, we provide short and mid-term credit to businesses and individuals at an affordable rate. The best in the market.

Our Branches

Head Office

Union Square Building 2nd Floor Meru – Makutano Highway

Tel: 0794673254

Email: info@modestycredit.co.ke

Corporate Branch

Union Square Building 2nd Floor Meru – Makutano Highway

Tel: 0746 806 952

Email: info@modestycredit.co.ke

Nkubu branch

Nkubu CMA Building 2nd floor Above Family Bank Meru – Nairobi Highway

Tel: 0705 542 999

Email: info@modestycredit.co.ke

Embu Branch

Pearl Center Building 3rd floor
S.N Patel Road

Tel: 0798066500

Email: info@modestycredit.co.ke

Thika Branch

T-Plaza, 3rd Floor
Kenyatta Highway

Tel: 0741559961

Email: info@modestycredit.co.ke

Mission is to Protect
your Businesses & Much More

Discover More

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Business Loans
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LSO Financing
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Institution Bridging Finance
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Asset Financing

About Us