Fair credit for the people who build Kenya
Tainjo Credit Limited gives small businesses and individuals practical financial solutions, backed by a team with over 15 years of banking and microfinance experience.
What you get with Tainjo
- Solutions shaped around your business
- A real person who knows your file
- Clear terms, explained in plain words
- Quick answers to your questions
A lender that knows your business by name
Tainjo Credit Limited is a Kenyan microfinance institution. We serve small and medium businesses, traders and individuals who need credit that fits how they actually earn.
Our approach is simple. We listen first, design a solution around your cash flow, and stay close to you after the loan is paid out.
- Customer acquisition built on trust and referrals
- Strong internal controls and responsible lending
- Regular follow up to keep your business on track
Our promise
Every client gets honest advice, a fair assessment and respectful service. We measure our success by how many businesses grow and stay with us.
- Integrity in every transaction
- Service that respects your time
- Growth that lasts
Financial solutions built around you
From first time borrowers to established traders, we have a clear path for each client.
SME and business loans
Working capital and growth financing for shops, services, trade and small enterprises, structured around your real cash flow.
Personal and retail loans
Practical credit for individuals, for school fees, emergencies, home needs and personal projects.
Business growth support
Guidance on budgeting, record keeping and planning so your business can handle more credit and grow with confidence.
Relationship management
One dedicated contact for your account, who understands your business and walks with you through every stage.
Customer care
Clear communication, fast complaint handling and honest updates on your account, by phone or WhatsApp.
Responsible lending
Careful assessment and portfolio monitoring that protect you and us, within banking and microfinance regulations.
Backing the people who keep Kenya moving
Boda boda riders, SME owners and market traders are the heart of what we do.
Boda boda riders
Own your bike, buy spare parts or add another bike to your fleet.
SMEs and shop owners
Restock, renovate or open a second branch with working capital.
Market traders
Buy stock in bulk and sell more every market day.
Fishermen and fish traders
Buy nets, repair boats and stock up to sell more every day.
Your business is worth the next step
Every big business in Kenya started with one stall, one bike or one small shop. You already have the hustle and the dream. Do not let a lack of capital keep you small.
Tainjo is ready to stand with you. Reach out today, tell us your plan and let us help you grow it.
Why small businesses need support
Small businesses run on daily cash and tight margins. One slow week or one missed restock can stop your growth. With Tainjo you get the capital to restock, expand and serve more customers, and you repay on flexible terms planned around your cash flow, so your business keeps growing without pressure.
- Flexible repayment terms
- Loans shaped around your cash flow
- A team that backs your growth
Four simple steps to your loan
No confusing paperwork and no surprises.
Talk to us
Call, WhatsApp or send the form. Tell us about your business and what you need.
We assess
Our team reviews your business and agrees a solution that fits your cash flow.
Get approved
You receive clear terms, explained in plain words, before you sign anything.
Grow with us
Your relationship manager stays in touch and supports you as you grow.
Tabitha Njoki Ibabu
Built from 15 years of listening to small businesses
Tainjo was born at the loan desk. In her years at Kenya Women Microfinance Bank and Letshego Kenya, Tabitha sat across the table from small business owners every day. She saw the same problems again and again: loans that did not match how traders earn, repayments that came before the money did, and good businesses held back by a lack of capital.
She started Tainjo Credit in 2018 to fix that. Every Tainjo loan is shaped around the client's real cash flow, with flexible repayment and a team that follows up.
Success stories
Market traders who started with one stall have added stock and grown their sales. Fishermen have repaired boats and bought new nets. Many clients now come back for a second and third loan as their businesses grow.
George Muigai
George is passionate about seeing small businesses win. He works on the ground with small and medium enterprises across many sectors, and he does more than give loans. He teaches clients how to plan repayments, keep simple records, separate business money from home money and put every shilling to work.
His goal is simple: every Tainjo client should finish their loan with a stronger business than when they started.
Why clients stay with us
Experienced team
Leadership with more than 15 years across banks and microfinance institutions.
Tailored solutions
Products designed around your business, not forced into a template.
Trained in women's enterprise
Our leadership has completed programmes with the Cherie Blair Foundation, Strathmore Business School and the Graca Machel Trust.
Strong controls
Careful cash management, monitoring and compliance protect every client.
Ready to grow your business?
Speak to our team today. We reply fast.
Start your application in 2 minutes
Fill in the short form and our team will contact you. It is free to apply, and we explain every term in plain words before you agree to anything.
- Loans for boda boda riders, SMEs and traders
- Flexible repayment terms
- A real person handles your application
Let us talk about your loan
Fill the form or reach us directly. A member of our team will respond quickly.
- Phone and WhatsApp+254 723 794 606
- Emailnjokiheshbon@gmail.com
- Working hoursMonday to Friday, 8:00 am to 5:00 pm