01JAZA CAPITAL
Enterprise
Finance
Working capital for businesses already trading. We assess the enterprise where it operates and size finance to the cash flow we can actually observe.
See how Jaza lends →
Kenyan enterprise finance, built close to the customer
Enterprise finance built where the enterprises are.
Jaza Capital provides responsible working capital to micro and small enterprises. Through JIFI, the same field infrastructure becomes a delivery platform for enterprise development, inclusive finance and partner-funded programmes.
Field-led assessmentResponsible financeEnterprise development
FIELD PRESENCEReal markets.
Real enterprises.
Real enterprises.
ONE INSTITUTION · TWO MANDATES
Jaza Enterprise financeJIFI Inclusive finance
Jaza + JIFI in the field
KES 1bn+enterprise credit administered across the operating record
12,000+nano and micro enterprises reached
82%women-led enterprises in recent portfolio analysis
17+branches and centres across Kenya
One institution · two clear mandates
The operating platform is Jaza. The development layer is JIFI.
The two sides share field infrastructure and enterprise relationships, while commercial lending and partner programme resources remain distinctly governed.
Enterprise
02JIFI
Inclusive
Finance
Enterprise development, technical assistance, programme delivery, evidence and programme-capital administration using Jaza’s last-mile platform.
Explore JIFI →
The portfolio in human terms
Scale matters. Who the system reaches matters more.
Jaza’s reach has been built around enterprises that are easy for formal systems to overlook: small, active businesses where evidence sits in the market rather than in audited accounts.
Explore reach & evidence →PORTFOLIO SNAPSHOTCurrent institutional indicators
82%women-led
Women-led enterprises make up the clear majority of the portfolio in recent analysis.
3 in 4return
Three in four customers return for a second facility, building a financial track record over time.
Enterprise relationships12,000+
Capital administeredKES 1bn+
The operating method
A field visit is not a photo opportunity. It is part of the system.
For businesses without conventional documentation, proximity becomes infrastructure: see the enterprise, understand the cash cycle, verify the context and stay close after disbursement.
Find
Branch teams work in the markets they serve, building real enterprise relationships.
Assess
Trading activity, cash flow, debt load, purpose and context are verified at the premises.
Decide
Origination, verification and approval remain separated—and we decline where debt is unsuitable.
Follow
Portfolio visibility and branch follow-up surface difficulty early enough for action.
JIFI · inclusive financeWhy JIFI
Because not every enterprise constraint should become a loan.
JIFI connects capital to the capability, support and evidence that make enterprise progress more likely. It gives partners one local delivery layer across the enterprise journey.
Enterprise developmentTechnical assistanceProgramme deliveryEvidence & MELProgramme capitalMarket linkages
Explore the JIFI model →
Reach
Proximity is infrastructure.
The real value of a branch network is not the pin on a map. It is the people, enterprise knowledge and follow-up capability behind that pin.
See the operating footprint →
Start in the right place
Business finance or development partnership?
Different need. Different route. One institution built around enterprises at the last mile.