Credit built for the traders, farmers and pastoralists of Kenya's Coast and North — delivered quickly, fairly and close to home.
“Shirika lako, manufaa yako” — Your organization, your benefit.
Clients, staff and partners at a community market visit.
Fadhili is a credit-only microfinance institution headquartered at Harbour House on Moi Avenue, Mombasa. We operate in line with international best practices in microfinance — the policies and principles followed by successful institutions worldwide in serving low-income households.
Our broad range of market-driven products responds to the particular needs and expectations of a diverse customer base — efficiently, quickly and with exemplary service.
To improve the economic base and wellbeing of micro-entrepreneurs by offering financial solutions through cost-efficient methodologies with exemplary customer service.
Shirika lako, manufaa yako. Every product we design starts with the question: how does this benefit the client in front of us?
From the Marikiti stalls of Mombasa and Malindi to livestock markets in the North, our products follow the way our clients actually trade.
Many farmers struggle to sell their produce in unstructured markets — food rots on the farm, or is sold cheaply to brokers. Kilimo Loans finance the full journey from farm to market, improving market access for local produce.
Most of the beef, mutton, camel and lamb eaten at the Coast comes from Northern Kenya. We finance the pastoralists and traders who move it.
Finance for seeds, fertilizers, pesticides, mechanisation and transport — plus spraying, weeding, harvesting, labour, storage and offtake.
Keep children in school through the farming season, with repayments that match when your harvest comes in.
Fadhili Express puts the right inputs in farmers' hands at the right time — then supports them all the way through harvest and offtake.
Fadhili Express field day with farmers and partnersOur clients are the small-scale farmers, business people and pastoralists who drive the economies of coastal and northern Kenya. To join a Fadhili group, you should meet the following:
An adult between 18 and 65 years of age.
A registered or assimilated Kenyan with a valid national ID.
Ready to be guaranteed and able to guarantee other group members.
Lives in the area where the group is based.
Anyone who can be insured by local insurance institutions.
The residents of Kenya's coastal and northern regions are traditionally small-scale farmers, business people and pastoralists. The two regions depend on each other: most meat eaten at the Coast comes from the North, while most groceries consumed in the North come from the Marikiti markets spread across the Coast — Mombasa, Malindi and beyond.
Fadhili sits in the middle of that exchange, financing the women and men who keep food moving between farm, pasture and market.
Fadhili Kilimo Loans have enabled more than 100,000 small businesses led by women to thrive over a decade of operation.
Read the Impact Report
We regularly host partners and visitors in the field — meeting clients where they work and hearing directly what they need next.
Each new branch brings faster service and loan officers who know their local market. Here are moments from our recent branch openings.
Experienced professionals guiding Fadhili's growth with integrity and a deep understanding of our communities. (Line-up as published in the 2021 Impact Report.)
“Impacting Livelihoods in our Communities” tells the story of how Fadhili's clients — farmers, traders and pastoralists — are building stronger businesses and households. Tap any page to read it larger.
Moments from the field, our branches and our communities. Click any photo to enlarge.
Tell us a little about your business and a loan officer near you will get in touch — usually within one working day.
Takes less than two minutes. No paperwork yet.
A local officer calls you to understand your business and your group.
Receive your loan and support through every season.
Loan Enquiry FormYour loan enquiry has been submitted. A Fadhili loan officer in your area will reach out to you on your phone.
Please visit us in person or send us an email — we'll be glad to help.
Fadhili's digital experience — from this website to our online client portal — is delivered in partnership with zung.ai, helping us serve more micro-entrepreneurs faster and closer to home.