Mastermind Capital Credit

Responsible credit. Productive growth. Kenyan enterprise.

Fair, transparent and appropriately structured financing for individuals, women, youth and MSMEs conventionally underserved by mainstream banking.

"Where dreams get wings."

Explore Our Products
Business owner reviewing his finances on a laptop while on a call

Responsible Lending

Transparency

Accessibility

Integrity & Governance

Productivity

About Mastermind

Built to expand access to responsible credit

Mastermind exists to expand access to responsible, well-structured credit for underserved and growing segments of the Kenyan economy: individuals, women, youth and MSMEs.

Kenyan business owner on a call, managing his growing business

Vision

To be Kenya's most trusted provider of responsible credit, recognised for extending fair, transparent and productive financing that grows household resilience and enterprise capacity across the country.

Mission

To expand access to responsible, well-structured credit through secured, business, asset and digital lending products that are appropriately priced, transparently disclosed and matched to the borrower's capacity to repay.

  • Responsible lending
  • Transparency
  • Accessibility
  • Integrity & governance
  • Productivity
Target Market Segmentation

How each product maps to its primary segment

ProductPrimary target segment
Logbook FinanceIndividual and business vehicle owners needing fast, secured liquidity.
Business CreditOperating micro and small enterprises needing working capital and stock financing.
Asset FinanceIndividuals and businesses acquiring vehicles, machinery or equipment.
Women & Youth CreditFirst-time and early-stage women and youth borrowers, individually or in groups.
Enterprise CreditEstablished MSMEs and graduated repeat borrowers needing larger, structured facilities.
Digital CreditDigitally active customers seeking fast, app-based, small-ticket credit.
The Graduation Pathway

From first-time credit to structured enterprise financing

Progressive graduation pathways move successful borrowers from starter products into larger, more structured facilities, deepening lifetime customer value.

1

Starter Products

Women & Youth Credit, Digital Credit

2

Repayment Track Record

Consistent, on-time repayment builds a credit history

3

Structured Facilities

Business Credit, Enterprise Credit, Asset Finance

How We Lend

Credit risk management & responsible lending framework

Disciplined portfolio management across all six product lines.

Affordability-Based Underwriting

Loan sizing driven by verified income, cash flow or turnover rather than collateral value alone.

Tiered Delegated Authority

Loan approval limits escalate through branch, regional and Management Credit Committee levels based on facility size.

Security Perfection

Logbook and asset-backed facilities are registered and perfected under the Movable Property Security Rights Act, 2017.

Portfolio Concentration Limits

Exposure caps by product line, sector, geography and single borrower to manage concentration risk.

Early-Warning & Collections

Proactive arrears management, structured restructuring options, and ethical, CBK-compliant debt recovery.

Fair Disclosure

All-in cost of credit, fees and charges disclosed transparently before loan disbursement.

Technology

Digital infrastructure across the portfolio

Technology underpins Digital Credit and increasingly supports origination and servicing across the wider portfolio.

Mobile Application

Digital loan application, KYC/identity verification and account self-service.

Alternative-Data Credit Scoring

Mobile-money-informed scoring to support fast digital decisioning.

M-Pesa & Bank Integration

Real-time disbursement and automated repayment collection.

Centralised Loan Management

A single customer record across all six products, supporting cross-sell and graduated lending journeys.

Data Security & Privacy

Controls aligned to the Data Protection Act, 2019.

Distribution & Channel Strategy

A hybrid of physical and digital reach

Combining the trust and underwriting rigour of in-person lending with the speed and reach of digital origination.

Branch & Agent Network

For Logbook Finance, Asset Finance, and higher-touch Business and Enterprise Credit that benefit from in-person relationship management and asset inspection.

Digital Application Channel

For Digital Credit and self-service on existing facilities across the portfolio.

Growth Strategy

A phased path to scale

I

Establish the Foundation

Flagship Logbook Finance and core Business Credit operations in Nairobi and key urban centres, building underwriting discipline and a seasoned book.

II

Scale Inclusion Products

Asset Finance and Women & Youth Credit, deepening reach into underserved segments and secondary towns.

III

Launch Digital at Scale

Mastermind Digital Credit as a nationwide acquisition and cross-sell channel, feeding graduated borrowers into Enterprise Credit and Asset Finance.

Competitive Positioning

Between informal lenders and mainstream banks

Combining formal governance, transparent pricing and responsible underwriting with the speed, flexibility and inclusive reach of digital and asset-backed lenders.

Informal & Shylock Lenders

Speed, but poor transparency and often predatory pricing.

Mastermind Capital Credit

Formal governance and transparent pricing, with the speed and reach of digital and asset-backed lending, supported by a diversified six-product portfolio.

Mainstream Banks

Trust and low pricing, but limited accessibility for informal-sector and asset-light borrowers.

Financial Inclusion & Social Impact

Credit that builds resilience, not just balance sheets

Formal Governance+ Transparent Pricing+ Responsible Underwriting+ Speed & Flexibility
= our path toward Kenya's most trusted responsible credit provider

Extending first-time, appropriately structured credit to women, youth and MSMEs who would otherwise rely on informal, expensive or unregulated sources of finance, supporting the transition of micro-borrowers into larger, productive, asset-building credit over time.

Governance

Oversight built for a regulated credit institution

Strategic oversight is separated from day-to-day credit and operational decision-making.

Board of Directors

Executive and independent non-executive directors providing strategic direction, regulatory compliance oversight and risk appetite setting.

Board Credit Committee

Approves lending policy, large exposures and portfolio concentration limits.

Board Risk & Audit Committee

Oversees credit risk, operational risk, fraud controls and internal audit.

Management Credit Committee

Approves loans within delegated authority limits across all six product lines.

Asset & Liability Committee

Manages funding costs, liquidity and interest-rate risk.

IT & Digital Governance Committee

Oversees the digital credit platform, data security and system uptime.

Legal & Regulatory Positioning

Structured to operate within Kenya's credit framework

Mastermind is structured to operate within Kenya's evolving digital credit and non-deposit-taking credit provider framework, under the oversight of the Central Bank of Kenya (CBK) as it applies to Digital Credit Providers (DCPs) and non-bank lenders, together with the Business Laws (Amendment) Act and the Data Protection Act, 2019 for handling of customer data.

The company is proposed to be incorporated as a private limited liability company under the Companies Act, 2015, with logbook and asset-backed lending conducted in compliance with the Movable Property Security Rights Act, 2017 and the Traffic Act.

This profile is prepared for planning, governance and stakeholder-engagement purposes. Mastermind Capital Credit is a proposed entity and this site does not constitute an offer of a licensed financial product until all applicable regulatory approvals are obtained.
Frequently Asked Questions

Common questions about Mastermind Capital Credit

Six product lines: Logbook Finance, Business Credit, Asset Finance, Women & Youth Credit, Enterprise Credit and Digital Credit.

Individuals, vehicle owners, women- and youth-led enterprises (individually or in groups), and established MSMEs, depending on the product.

Not necessarily. Logbook and Asset Finance are secured by the vehicle or asset itself; Business, Enterprise and Women & Youth Credit are assessed primarily on cash flow, turnover and, where available, movable asset or guarantee security.

Through affordability-based underwriting: sizing driven by verified income, cash flow or turnover, rather than collateral value alone.

Mastermind is proposed as a regulated credit institution operating within Kenya's Digital Credit Provider / non-bank lending framework overseen by the CBK. This profile is prepared for planning and stakeholder engagement and does not constitute a licensed financial product offering until applicable regulatory approvals are obtained.

Successful borrowers move from starter products (Women & Youth Credit, Digital Credit) into larger, more structured facilities (Business Credit, Enterprise Credit, Asset Finance) as they build a repayment track record.

No. All applications are subject to Mastermind's credit assessment and eligibility criteria.

Ready for your dreams to take flight?

Start your application with Mastermind Capital Credit.

Get in Touch

Office location details are being finalised and will be added here. For loan applications and enquiries, reach us directly using the details on the right. See our Privacy Policy for how we handle the information you share.

WhatsApp: apply or ask a question 0701 931 826 Email mastermindplancapital@gmail.com