Who We Are
Incorporated in 2019 under Kenya’s Companies Act, Let’s Grow Together Credit Limited (LGT Credit Ltd) is a credit-only microfinance institution. We provide short-term, small-scale loans to small and medium-sized enterprises (SMEs) operating within fixed, informal business locations.
We exist to eliminate the rigid financial barriers that trap grassroots merchants. By completely removing requirements for traditional collateral, upfront personal savings, and third-party guarantors, we open doors for hardworking traders to access capital independently.
MISSION STATEMENT
Building a future where micro-entrepreneurs thrive economically, supported by financial services that are ethical, sustainable, and profitable.
VISION STATEMENT
To be the premier micro-lender in Kenya, driving financial inclusion by delivering a complete suite of services tailored for grassroots needs.
Our Core Values
Integrity:
We hold ourselves to uncompromising ethical standards, operating with fairness, honesty, and mutual respect in everything we do.
Customer Centricity:
We deeply listen to our clients to anticipate their needs, consistently striving to exceed their expectations and deliver delightful experiences.
Leadership:
We foster a culture of positive influence, empowering our organization and our people to make a meaningful impact in our community.
Innovation:
We are a creative, forward-thinking team dedicated to developing pioneering solutions that drive unprecedented value for everyone we serve.
Collaboration:
We build proactive, mutually beneficial relationships with all our partners and stakeholders to achieve our shared goals.
STRATEGIC GOALS
Expand Access: Deliver affordable, reliable financial services that empower members to invest in income-generating projects and boost their earnings.
Drive Self-Reliance: Equip impoverished individuals with the tools and opportunities needed to achieve long-term financial independence.
Build Financial Capability: Improve members’ money management skills through targeted training and capacity building.
OBJECTIVES
Empower Women: Provide financial loans to underprivileged individuals, with a strong emphasis on uplifting female entrepreneurs.
End Poverty: Help vulnerable communities achieve permanent, sustainable self-reliance.
Promote Financial Inclusion: Integrate low-income earners and micro-businesses into the broader financial system.
Create Economic Opportunities: Empower marginalized groups to launch income-generating activities, helping to level the playing field and reduce wealth gaps.
TARGET CLIENTS
We focus on established, informal-sector businesses that have operated legally for at least six months from a fixed, daily location. Our ideal clients maintain strong, consistent cash flow—with monthly profit margins of 50% or higher—and demonstrate high turnover by restocking and selling at least 50% of their inventory every 7 days.