Supporting Your Financial Needs Today. Strengthening Your Tomorrow.
Enusha Capital partners with trusted partners to provide eligible employees with convenient access to responsible payroll check-off loans for everyday needs, important milestones and unexpected expenses—supported by practical financial wellness programs.
Simple payroll deductions. Same-day disbursement for approved employee applications. No collateral required.
1,000+
Customers Served
12+
Partner Companies
Same-Day
Disbursement After Approval
Reducing
Balance Interest
Zero
Collateral Required
A dependable financial partner for employers and employees
Enusha Capital Limited is a credit-only microfinance company providing payroll check-off loans to employees of select organisations. We partner directly with employers through a signed Memorandum of Understanding, enabling eligible employees to access responsible credit while repayments are managed through agreed payroll deductions.
Enusha also provides FinSmart financial wellness education to employees participating in the Staff Check-Off Scheme.
Head Office: Pioneer House, Kenyatta Avenue, Nairobi, Kenya
Our Vision
A future where every workingperson can thrive financially.
Our Mission
To provide accessible, responsible and timely financial solutions that help employees meet everyday needs, respond to emergencies, pursue growth and improve their wellbeing—through trusted employer partnerships and financial wellness education.
Our Values
Integrity
We act honestly, responsibly and transparently in every decision and interaction.
Customer Centricity
We listen, understand and design solutions around the real-life needs of our customers.
Responsible Empowerment
We provide credit and financial education that help people move forward without compromising their long-term financial wellbeing.
Reliability
We deliver on our promises with speed, consistency and care—especially when our customers need us most.
Partnership
We build lasting relationships with employers, employees and stakeholders to create shared and sustainable value.
What makes Enusha different
Speed
Approved employee applications can receive same-day disbursement.
No Collateral
Employees can access credit without providing collateral.
Fairer Repayment
Interest is calculated on a reducing balance, with no penalty for early or lump-sum repayment.
Financial Wellness Included
Participating employees receive access to FinSmart financial wellness education.
Benefits for corporate partners and employees
For Corporate Partners
Eases pressure on the organisation's operating cash flow.
Reduces the cost and administrative effort of managing salary advances internally.
Supports employee productivity, focus, and financial wellbeing.
Accommodates employees across salary levels, subject to agreed eligibility requirements.
Provides clear monthly deduction and repayment schedules.
Requires no employer funding of the employee loan book.
Creates no direct borrowing obligation for the employer, subject to the executed MOU.
Supports structured administration through designated HR, Finance, and Payroll contacts.
For Employees
No collateral required.
Convenient application through the workplace or approved digital process.
Same-day disbursement after approval.
Interest calculated on a reducing balance.
No penalty for early or lump-sum repayment.
Multiple products designed for different stages and moments of life.
Free financial wellness education through FinSmart.
Six loan solutions
Financial solutions for every moment of life—delivered responsibly, reliably and without stress.
School Fees
Fees Bila Stress
“School fees, sorted—before the term even starts.”
For salaried parents and guardians managing school-fee obligations and seasonal education expenses.
Amount
KES 10K–100K
Tenor
Up to 4 months
Interest
10%
Professional Development
Enusha Elevate
“Invest in your next level.”
For salaried employees pursuing professional courses, certifications, and career development.
Amount
KES 15K–150K
Tenor
Up to 6 months
Interest
10%
Home & Lifestyle
Enusha Nyumba Upgrade
“Home upgrades, made easy.”
For employees purchasing home appliances, furniture, electronics, and other practical home improvements.
Amount
KES 15K–200K
Tenor
Up to 6 months
Interest
10%
Emergency Loan
Enusha Dharura
“When life doesn't wait, neither do we.”
For salaried employees responding to urgent medical, insurance, bridging, or unexpected expenses.
Amount
KES 10K–100K
Tenor
Up to 6 months
Interest
10%
Salary Advance
Enusha Sasa
“Your salary, a little sooner.”
For eligible employees managing short-term cash-flow needs before their next salary payment.
Amount
From KES 5,000
Tenor
Until next payday
Interest
9%
Wellness, Self-Care and Growth
Enusha Raha
“Your comfort, your joy, your time to recharge.”
For employees investing in wellness, rest, holidays, retreats, gym memberships, and personal growth.
Amount
KES 10K–100K
Tenor
Up to 6 months
Interest
10%
Loan availability, limits, tenor, pricing, and approval are subject to employer participation, employee eligibility, affordability assessment, applicable policies, and final credit approval.
Loan Calculator
Plan your repayment
Select your loan product to see the applicable interest rate, then calculate your monthly instalment on a reducing balance basis with equal monthly repayments.
Loan Details
Rate: 10%/monthKES 10,000 – 100,000Max 4 months
KES 10,000KES 100,000
Loan Repayment Period (No. of Months)
1 month4 months (max)
Monthly Interest Rate: 10% on reducing balance — you pay less interest as your principal decreases each month.
Your Repayment Summary
Fees Bila Stress — School Fees
Monthly Payment (Equal Instalments)
KES 16,404.48
Equal payment each month for 4 months
Loan Principal
KES 50,000.00
Loan Tenor
4 months
Loan processing fee (3%)
KES 1,500.00
Credit life insurance (1%)
KES 500.00
Total amount
KES 52,000.00
Interest Rate
10% monthly on reducing balance
This calculator provides indicative figures only. Actual loan amounts, rates, and terms are subject to employer participation, employee eligibility and final credit approval. Product terms may change.
Credit supported by financial wellness
FinSmart empowers salaried employees with financial literacy, practical money management, and strategic wealth-creation education. It is included for employees participating in Enusha's Staff Check-Off Scheme.
Our work primarily supports The UN Sustainable Development Goals (SDG) 8 – Decent Work and Economic Growth, while contributing to SDG 4 – Quality Education and SDG 1 – No Poverty, helping employees build financial capability, resilience and a more secure financial future.
Improved financial confidence
Better money-management habits
Reduced financial stress
Greater awareness of responsible borrowing
A more focused and financially resilient workforce
“We aim to be more than a lender. We aim to help every working person thrive financially.”
How corporate onboarding works
1
Discover & Qualify
Enusha learns about the organisation, workforce, payroll structure, and employee needs.
2
Review & Due Diligence
The company completes the onboarding form and provides the required corporate information and documents.
3
Agree & Onboard
Enusha reviews the submission, completes due diligence, and prepares the MOU for approved corporate partners.
4
Activate the Scheme
HR, Finance, and Payroll teams receive the agreed procedures, schedules, employee communication, and scheme-launch support.
Typical journey from initial engagement to first disbursement: approximately 6–12 weeks, subject to timely documentation, due diligence, approval, and MOU execution.
Bring responsible financial support to your workforce
Complete the corporate onboarding form to help Enusha understand your organisation, workforce, payroll process, and proposed check-off requirements.
Complete this form to begin the corporate onboarding process. Your information will be reviewed by the Enusha team.
Step 1 of 9
Company Details
Frequently asked questions
A payroll check-off loan is a credit facility where repayments are deducted directly from the borrower’s salary through an agreed arrangement between the employer and the lender. The employer remits the deducted amounts to Enusha Capital as per the agreed schedule in the executed Memorandum of Understanding (MOU).
Ready to help your employees thrive financially?
Partner with Enusha to provide responsible, accessible, and timely financial solutions—supported by practical financial wellness education.
