Today Tomorrow
Together.

We make it easy for small and medium sized businesses to access loans through app and ussd.

Empowering Your
Growth.

Tailored financial solutions designed to take your business to the next level.

I need a loan
I need to invest
Open an account
Download our app

Introducing the KRAY Smart Card

Experience a simple and secure way to access your funds anytime, anywhere.

The KRAY Smart Card allows you to conveniently withdraw cash at supported access points, giving you quick and easy access to your money whenever you need it.

Enjoy flexibility, convenience, and modern financial access with KRAY.

Get Yours Today
card
Kray Mobile App

Live free with Kray Mobile

Download our app and take control of your finances. Send money, pay bills, and manage your loans 24/7.

  • Send money to any mobile wallet
  • Pay for utilities instantly
  • Check loan balance & statements
  • Secure biometric login
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General enquiries

office line 0782-055-689
WhatsApp 0707-888-001

Report unethical behaviour

Local toll free 0702-762-277
Email kray@kraymicrofinance.com

Careers

Join our team and you could move your career forward from the start.

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