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Who we are ?

Centenary microenterprise services Ltd was started as business entity in March 2011. The business started as microfinance consultancy firm serving Microfinance and Sacco institutions in Kenya. The business later transformed to a microcredit organization registered as a limited company in accordance with the laws of Kenya, Cap 486.

The organization focuses on financial intermediation to the population at the bottom of the pyramid with a view of enhancing financial inclusion to support individuals and strengthen community institutions as a way of fighting poverty.

why choose us ?

Experience in Microfinance lending - Our employees have specialized knowledge in micro-credit to adequately serve MSME market needs.

Dedicated Employees - Over 100 knowledgeable employees care about creating remarkable customer experience. Some of our Relationship Officers been serving small business owners for the last 7 years.

Expansive industry knowledge - CEMES Ltd has been among the first Kenya companies to offer mobile lending combined with relationship management. We have strong backing from leading Telco’s company in Kenya

Mobile platform - We believe that financing should be easy to our customers. That is why we offer mobile lending to small business owners to apply quickly from anywhere anytime.

What we do ?

Revolving Credit - Revolving credit line provides a flexible financial arrangement solution to micro-businesses to access funds at their discretion to meet their business needs. The product is designed for micro-businesses to buy inventory at critical time, manage employees payroll or pay the bills e.g. hospital bills, school fees, burial costs etc while waiting for payments to arrive from slow customers or business season to boom.

Franchise Financing - Get simple, fast financing for every franchise need with CEMES Ltd, from remodels and new stores to equipment upgrades and working capital. CEMES LTD has worked with franchise owners to provide them with the financing they need to expand their businesses. Franchisees can access up to Kes 1Million financing. With flexible terms and payment options, CEMES offers franchisees fast funding while providing a remarkable financing experience guided by years of experience.



Human Resource management and Capacity Development.


Infrastructure Development, Corporate Governance and customer service


Information Technology and Information systems.

Portfolio of Funds

Increase shareholders value

Our Footprint

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