ECLOF Kenya

What ECLOF Kenya does

ECLOF Kenya is a non-profit microfinance institution headquartered in Nairobi, Kenya, founded in 1994 and operating with a staff of 251-500 employees. The institution extends credit across seven distinct loan categories: business loans, asset finance, SME loans, emergency loans, education loans, home improvement loans, and WASH (Water, Sanitation, and Hygiene) loans. This product breadth positions ECLOF Kenya as a diversified retail and small-business lender serving low-income and underserved borrower segments in Kenya, including individual households, micro-entrepreneurs, and small formal/informal businesses.

The business model is interest-and-fee income on a portfolio of small-ticket loans distributed across multiple use-cases. As a non-profit microfinance institution, ECLOF Kenya is not structured to maximize shareholder returns; instead, it operates on a financial-inclusion mandate typical of the ECLOF international microfinance network. Distribution is conducted through a physical footprint anchored in Nairobi, with a headcount sufficient to support face-to-face underwriting, loan officer visits, and in-person collections — the operating model dominant in the Kenyan MFI segment. No mobile-app, API, or digital channel infrastructure is documented in the source data.

The available source data is materially incomplete: the company's primary webpage returned only a loading/verification placeholder rather than substantive content, and no audited financials, loan-book disclosures, funding rounds, partnerships, leadership roster, regulatory license numbers, or pricing schedules were captured. Consequently, several analytical dimensions — revenue, growth trajectory, recent strategic moves, AI/technology posture, and competitive positioning — cannot be evidenced beyond inference from headcount and product taxonomy.

Name

ECLOF Kenya

Website

https://eclof-kenya.org

Company type

Private

Founded year

1994

Headcount range

251–500 employees

Short description

ECLOF Kenya is a Nairobi-based non-profit microfinance institution, founded in 1994, that extends business, asset finance, SME, emergency, education, home improvement, and WASH loans to underserved individuals and small enterprises across Kenya.

Ownership category

akta.pro rank

Product category

Microfinance

NAICS

Nondepository Credit Intermediation (5222), Finance and Insurance (52)

SIC

Short-Term Business Credit Institutions (6153), Finance Services (6199)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

SME, Microfinance & Financial Inclusion Facilities (BPADACAI), Small Business Debt Consolidation & Refinance (Owner/SME) (FSAKAIAI)

Keywords

• Microfinance lending
• SME business loans
• Asset financing
• Education loans
• WASH financing

Headquarters

HQ city

Nairobi

HQ country

Kenya

HQ region

Africa

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales

Core offering

ECLOF Kenya is a non-profit microfinance institution that provides a suite of loan products including business loans, asset finance, SME loans, emergency loans, education loans, home improvement loans, and WASH (Water, Sanitation and Hygiene) loans to underserved individuals and small enterprises in Kenya.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loans
• Asset Finance Loans
• SME Loans
• Emergency Loans
• Education Loans
• Home Improvement Loans
• WASH Loans

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves2 records

Direct peers

• Kenya Women Microfinance Bank (KWFT): Kenyan non-deposit-taking microfinance institution focused on women entrepreneurs and SMEs. Directly comparable as a Kenya-based MFI serving similar low-income and SME borrower segments with analogous group-lending methodology.
• Faulu Microfinance Bank Kenya: Deposit-taking microfinance bank in Kenya offering SME, agricultural, and consumer loans. Closely comparable business model targeting similar underserved borrower segments, with overlapping branch-based distribution.
• SMEP Microfinance Bank: Kenyan microfinance bank serving SMEs, groups, and individuals with similar loan products. Directly comparable customer base, product mix, and Kenyan regulatory environment.
• Musoni Microfinance (Kenya): Kenya-based MFI leveraging a digital/agent banking model. Comparable as a Kenyan MFI lender, with Musoni representing the more digitally-enabled end of the same MFI spectrum.
• Rafiki Microfinance Bank: Kenyan microfinance bank offering SME and institutional loans. Comparable Kenyan MFI peer serving similar SME and consumer borrower segments.
• Opportunity International Kenya: International microfinance NGO operating in Kenya with a similar development-lending mandate. Comparable as a mission-driven MFI serving low-income and SME borrowers with comparable loan products.

Broad incumbents

• Equity Bank Kenya (Jijenge / SME lending): Large Kenyan commercial bank with extensive microfinance and SME lending operations. Competes with ECLOF in the SME and small-borrower space but at much greater scale and with deposit funding.

Emerging players

• Branch International: Mobile-first digital lender active in Kenya offering small-ticket loans to underbanked consumers. Competes for ECLOF's lower-end borrower segment via smartphone-based origination rather than physical branches.
• Tala: Mobile lending platform operating in Kenya using smartphone data for credit decisions. Comparable as a competing source of small-ticket credit for Kenyan consumers and micro-entrepreneurs.

Others

• World Relief Kenya: Faith-based international NGO with economic development programming in Kenya. Comparable as a faith-aligned development organization that channels financial inclusion activities alongside ECLOF's network.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat3 records

Key risks4 records

Key highlights5 records

Customer concentration

• Xx.com/eclofkenya

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ECLOF Kenya