Financial Solutions
Flexible Financing
Accessible financing for traders, motor vehicle owners, landlords, businesses and individuals seeking capital to meet their financial goals.
About Umoja Magharibi
We empower. You prosper.
Umoja Magharibi Kenya Ltd is a Non-Bank financial institution based in Kenya with focus to uplifting lives and livelihoods of target clients. It’s foundation is based on the greater efforts made by promoters to establish an entity that will create value to all stakeholders based in the five counties of Western Kenya i.e. Kakamega, Vihiga, Bungoma, Busia and Trans Nzoia
We support individuals, traders, property owners, businesses and investors with practical solutions tailored to their financial and investment needs.
Project Financing
Infrastructure Support
Financing solutions for water systems, residential and commercial construction, road projects and other essential infrastructure developments.
Magharibi Properties
Property Services
Professional property sales, letting, rent collection and management services for local property owners and diaspora investors.
Who We Are
Built to support people, businesses, landlords, and investors.
Umoja Magharibi is a Kenyan non-bank financial institution offering practical financing, property, investment, and support services to customers seeking reliable growth solutions.
We simplify access to services that help clients finance projects, grow businesses, manage property, explore investment opportunities, and access Umoja Care support with confidence.
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Financing Solutions
Support for individuals, traders, landlords, and businesses seeking structured credit options.
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Property Services
Property listings, management support, investment guidance, and diaspora property assistance.
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UM Fund Placement
Investor interest submission, profiling, document review, and onboarding follow-up.
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Umoja Care
Medical cover application and enrollment support through Umoja Care partnership channels.
Trust. Service. Opportunity.
We combine practical services with structured client follow-up.
Purpose & Direction
Guided by a clear vision and driven by service.
Everything we do is built around creating opportunities, supporting growth, and helping clients make confident financial and property decisions.
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Our Vision
To be the most preferred financial institution that creates wealth for all our stakeholders.
Our Mission
Creating practical pathways to growth.
To create capacity and wealth of our targeted clientele
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Customer-focused service
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Accessible financial solutions
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Property and investment support
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Long-term client relationships
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Our Promise
"We Empower, You Prosper"
Integrity
Trust
Accountability
Customer Success
Our Core Values
The principles that guide how we serve.
Our values guide every decision we make and every relationship we build. They define our commitment to delivering dependable, transparent and professional services to our clients.
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Our Foundation
Trust
We build trust through honest, constructive communication and dependable service that supports the shared interests of our clients and the business.
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Honest communication
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Dependable service
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Lasting relationships
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Simplicity
We promote clarity and consistency, make practical decisions and remain focused on what is essential.
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Transparency
We maintain open and honest communication with our clients, partners and stakeholders.
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Passion
We love what we do and demonstrate our dedication through the satisfaction and success of our clients.
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Professionalism
We apply our skills, knowledge and commitment to consistently deliver high-quality services.
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Our Commitment
Integrity
We are trustworthy, diligent and honest. We accept responsibility for our actions and follow through on our promises and commitments.
We do what we say, and we take responsibility for what we do.
Work With Us
Ready to take the next step?
Whether you need financing, property support, investment information, Umoja Care enrollment, or general assistance, our team is ready to help.