What Investors Want to Know

Our customers are income-generating but underserved Kenyans, including smallholder farmers, boda boda riders, tuk-tuk drivers, women-led businesses, traders, micro-entrepreneurs and youth. They are not high risk. They are underserved.

Fortune Credit operates 31 branches across Kenya, with a strong presence in rural and peri-urban markets where formal financial services can be hard to reach.

We have served over 40,000 borrowers and disbursed more than USD 10 million in cumulative loans since our founding.

We provide asset-backed and working capital financing through partnerships with aggregators, fleet operators and suppliers. Loan origination, disbursement and collections are digitized. Repayment structures are flexible and built around how our customers actually earn, such as seasonal farming cycles. Credit products are integrated with insurance and climate resilience solutions.

We have a PAR 30 of below 10% on group loans.

Fortune Credit is led by founder and CEO Janet Kuteli, who was named among the top ten entrepreneurs in Africa by the Africa Business Heroes competition in 2025, selected from thousands of applicants across the continent. She is supported by an experienced team with deep roots in Kenyan financial services and rural markets.

Our focus is economic inclusion, women and youth empowerment, rural livelihoods and climate resilience. We finance clean energy, sustainable agriculture, and green mobility — including financing for electric motorbikes and emergency credit for pastoralist communities. In 2023, we were named a global finalist for the European Microfinance Award. In 2024 we reached the semifinals of the MIT Solve Global Economic Prosperity Challenge.The 2025 SAIS Female Founder Award win elevated Janet Kuteli and Fortune Credit as key drivers of financial inclusion and innovation in Africa. The recognition strengthened the company’s visibility, credibility, and partnership opportunities while validating its impact in empowering underserved communities through accessible credit, insurance, and green financing solutions.

Fortune Credit is backed by institutional impact lenders and development finance partners including Envest Microfinance, Oiko Credit, Lendahand, Alterfin, Fefissol, Sima Funds, Bettervest, Triple Jump, Grameen Foundation, Moringaway, Alpha Mundi, Greenmax, Lofte Coban MercyCorps, GIZ, and Atram. Strategic partnerships with these Lenders and Development partners have supported our growth and expanded our reach.

Debt, Grants, Technical Assistance or Blended Finance as described above.

We work with individual and institutional investors through non-equity structures, including senior and subordinated debt, blended finance facilities, grants and technical assistance. Typical ticket sizes range from USD 100,000 to 500,000 for pilot or targeted programmes, and USD 1M to 3 million or more for structured facilities repayable in 3 years to 5 years with larger commitments possible through blended or syndicated structures.

We lend where others won't, and we have built the infrastructure to do it sustainably. Our last-mile distribution model, seasonal repayment structures, integrated insurance products and digitised operations allow us to serve customers that conventional microfinance institutions find too difficult or too costly to reach. We do not just provide credit — we build financial resilience.

Kenya's underserved MSME market is large and largely untapped. Fortune Credit has a proven track record, a strong ESG profile, a scalable asset-backed model and a founding team with deep community trust and international recognition. Investing in Fortune Credit means backing a business that is both financially sound and genuinely needed.

An Africa where financial exclusion is no longer a barrier to building a livelihood, a business or a future.