We built CredifyOS to change that — one institution at a time.
About
Microfinance in Kenya is thriving.
The software powering it isn't.
Kenya's microfinance sector serves millions of borrowers — women in rural communities, small business owners, farmers, first-time borrowers building credit for the first time. The institutions doing this work are essential. And almost all of them are running on spreadsheets.
We built CredifyOS because the gap was too obvious to ignore.
Not because they don’t know better. Because every platform built for microfinance was either too expensive, too complex, or built for someone else’s market entirely.
Global platforms priced for fintechs with engineering teams. Enterprise systems that take months to implement. Software built in Europe or the US, retrofitted for Kenya, and sold at prices that made no sense for a growing MFI managing a few hundred active loans.
The institutions left behind weren't failing. They were growing — on paper files, manual workflows, and the determination of loan officers doing extraordinary work with inadequate tools.
What we believe
Microfinance institutions shouldn’t have to choose between affordability and capability. The right software shouldn’t require a technical team to run, months to implement, or a budget that only large institutions can justify.
It should work on day one. It should fit how Kenyan MFIs actually operate — group loans, M-Pesa disbursements, BDOs in the field, SASRA reporting deadlines. It should give every manager in the institution the visibility they need to make good decisions. And it should cost what a growing institution can actually afford.
Built in Nairobi. Built for Kenya.
CredifyOS is headquartered in Nairobi, Kenya. We’re not adapting a global product for the local market — we’re building from the ground up for the institutions, the workflows, and the regulatory environment that Kenyan MFIs actually operate in.
M-Pesa integration isn’t an add-on. SASRA compliance isn’t an afterthought. Group loan management isn’t a workaround. They’re built in — because this is the market we know, and these are the institutions we’re here to serve.
Where we’re going
CredifyOS currently serves MFIs across Kenya with a platform covering the full loan lifecycle — from application and approval to M-Pesa disbursement, repayment tracking, analytics, and member mobile access.
Savings and insurance modules are in development for v2.0. A whitelabel offering is available for networks and institutions that want CredifyOS under their own brand.
We’re at the beginning. The sector we’re serving is large, underpowered, and ready. We intend to be the platform that grows with it.