ECLOF Kenya - Your Dignity is Our Mission |Business Loans

WHO WE ARE

ECLOF Kenya is a Microfinance Institution providing financial and related non-financial services to micro, small and medium entrepreneurs in Kenya as they run their income generating activities. Our credit facilities are strategically used as empowerment tools for men, women and youth to help them attain their God given potential as they run their businesses.

It was registered as a credit only Micro finance Company, Limited by Guarantee in 1994. In April 2019, ECLOF Kenya restructured to a Company Limited by shares. ECLOF Kenya endeavors to serve its esteemed clients with professionalism and diligence, while upholding Christian values, and remaining committed to wealth creation and improved standards of living.

ECLOF Kenya is one of the members of The National ECLOF Committees (NECs) affiliated to the ECLOF International, based in Geneva, Switzerland.

MORE ABOUT US

Our Products & Services

WASH Loans

ECLOF Afya

Agribusiness Loans

Education Loan

Asset Finance

Institutional Loans

Business Loans

Emergency Loan

Home Improvement

Salaried Loan

Green Energy Loan

Burudika Loan

SME Loans

What Our Clients Say

Teresia Kemerri
"I have grown my business since I joined ECLOF Kenya which include beadwork and selling the maasai blanket. I am located at Kiserian market though I have clients who make orders from outside Kiserian. I began with a loan of Kshs. 10,000 and currently servicing a loan of Kshs. 30,000. I want to clear the current loan and take another one for Kshs. 60,000. I must confesses, I was fearful to take loans at first but now I have seen changes in my business and family too. I have managed to educate 4 children, all who are in high school and my business has grown tremendously. My dream is to build a better house with the continued partnership of ECLOF Kenya."
Robert Muya
"I started with a loan of Kshs. 20,000/= in a group and I am now servicing a loan of Kshs. 495,000/=. I have expanded my dairy farming business gradually, to include mining and supply of building materials. I have also been able to live a comfortable life and educate my children in good private schools. I used my last loan to expand my businesses and to complete building my house. I am happy to be associated with ECLOF Kenya since it has helped me grow and establish myself financially. I plan to complete construction of my rental houses and see my children school to university."
Esther Mwihaki
"I run a tailoring business which I confess has grown since I joined ECLOF Kenya. I am now in my 3rd cycle, beginning with a loan ofKshs. 9500, toKshs. 20,000 and currently servicing one forKshs. 40,000. The profit I have made has enabled me to access clean water, expand my business and buy a motor bike hence creating employment. The loans I have received have impacted on my family positively; I have managed to educate my 2 children without strain. I have also employed another tailor to assist me because of the increase in work. I’m happy to partner with ECLOF Kenya."

Our Stories

ECLOF Kenya
Discover the transformative power of ECLOF Kenya’s innovative microinsurance products through the voices of those it impacts most. This video features client testimonials, including the remarkable line, “I never knew you could insure a cow! Unfortunately, my cow died of pneumonia. And I am grateful that my cow was insured and I was compensated the whole amount in full!”, alongside insights from ECLOF Kenya’s leadership and partners who explain the strategy behind it.

Protecting livelihoods and promoting resilience in low-income communities, ECLOF Kenya offers more than just financial services: it offers client care. Watch how this inclusive financial solution is changing lives across Kenya.
Joseph Njeru
In Kenya, smallholder dairy farmer Joseph Njeru has transformed his livelihood through ECLOF Kenya’s Climate Smart Agriculture initiative, supported by Alongside Hope. Facing challenges like poor breeds, high costs, and low productivity, Joseph partnered with ECLOF in 2015 and joined the Kawanjara Dairy Farmers Cooperative. With financial literacy training and capital support, his farm became 10 times more productive, yielding 3,000 liters of milk monthly.

In 2019, his land became a demo farm, offering hands-on training in sustainable dairy practices. By 2025, it featured a modern cow shed, 10,000 liter water tank, and a biogas plant for clean cooking fuel. Now a mentor, Joseph supports over 20 farmers and helps lead a cooperative serving 600+ members. His message: “Your support has taken root. The impact is real and just beginning.”