Demulla Information

Demulla is a Central Bank of Kenya (CBK)-licensed non-deposit-taking credit provider and a social enterprise committed to empowering MSMEs. We provide 100% unsecured business loans, guided by responsible lending, data-driven affordability assessments, and strong customer protection standards. Beyond access to credit, we support entrepreneurs through financial education, business training, and ongoing field engagement to help them use working capital effectively, strengthen their businesses, create livelihoods, and achieve sustainable growth. Our purpose is to expand financial inclusion while creating measurable social and economic impact for underserved entrepreneurs and communities.