ASAP Credit, Weritas Launch Programme to Open Kenya’s Micro-Lending Market to Investors
NAIROBI, May 2, 2026 — ASAP Credit and Weritas have launched a structured finance programme to open Kenya’s women-led micro-lending market to institutional investors.
The two firms aim to connect regulated loan portfolios to global capital. As a result, they expect to expand funding for underserved borrowers across the country.
Focus on women and small businesses
The programme targets key lending segments such as Mama Mboga traders, SMEs, salary earners, and transport operators. Notably, these groups form a large share of Kenya’s informal economy.
Officials say the initiative could unlock new financing channels. In turn, this would support growth among small businesses and women-led enterprises.
How the programme will work
Weritas will assess selected loan portfolios from ASAP Credit and structure them into investment-grade instruments. Specifically, the process will include:
- Selecting and reviewing loan portfolios
- Pooling assets into structured vehicles
- Applying credit enhancement tools
- Creating products with varying risk levels
Additionally, Weritas may explore tokenisation where regulations allow. However, the firms have not issued any such products yet.
Opening doors to institutional capital
The programme seeks to give institutional investors access to Kenya’s micro-lending sector. Previously, such opportunities remained limited due to market fragmentation.
Even so, both firms stress that approvals, due diligence, and market conditions will determine the final rollout.
Industry context
Globally, investors are showing growing interest in real-world asset (RWA) opportunities. Consequently, regulated lending portfolios in emerging markets are gaining attention for their potential stability and returns.
What leaders are saying
ASAP Credit Business Head Irene Kibui said the programme will help open up existing loan portfolios to a wider pool of investors.
“We originate loans within Kenya’s regulated digital credit framework, serving a broad range of borrowers. This programme explores how those portfolios can support institutional access.”
Meanwhile, Weritas Chair Reshmeen Hooda said structured finance can help bring more transparency and discipline to emerging market lending.
“Structured finance remains a key tool in global markets. Through this programme, we are exploring how it can be applied to emerging market credit in a transparent and structured way.”
Regulatory compliance
ASAP Credit will continue to originate loans under Central Bank of Kenya regulations. At the same time, the programme will comply with data protection, anti-money laundering, and consumer protection laws.
Engagement with investors
Weritas has already started engaging financial institutions, development partners, and impact investors. Going forward, participation will depend on regulatory approvals and internal processes.
About ASAP Credit
ASAP Credit is a Nairobi-based digital lender licensed by the Central Bank of Kenya, offering credit solutions to individuals and small businesses.
For more Info: asapcredit.africa
About Weritas
Weritas is a financial technology platform that provides structured finance solutions linking lending markets to institutional capital.
For more Info: weritas.io
Media Enquiries
ASAP Credit: info@asapcredit.africa
Weritas: partners@weritas.io
