About Us
About
Who we are
We are a non-deposit taking microfinance providing short term credit facilities. With operations in Kitui, Makueni, Machakos, Taita/Taveta and Kwale counties, we pride ourselves in providing affordable personal and business credit facilities.
The training component of our service offering enables our clients to build pertinent business skills as well as make informed and confident choices on business challenges and opportunities. Therefore, any ZAWADI MASHINANI LTD credit facility is not just a loan but a support, a partner, a guidance and accountability system.
We further describe ourselves as a growing financial institution that is devoted towards enabling our clients achieve their financial goals in life. Our fast response time to inquiries and applications allows clients to quickly know the status of their application including the need to explore more options. We operate with minimal bureaucracy and flexible requirements that are easy to satisfy.
Our Core Values
- Integrity
- Growth
- Service
- Equality
- Objective
- Honest

Years Of Experience
Currently we have fifteen Offices in Three Regions:
Office Locations
EASTERN REGION:
- Tala Office along Nairobi - Kangundo Road, Machakos County.
- Mutituni Office 10KM from Machakos town, Machakos County.
- Kabaa Office along Thika- Matuu Highway, Machakos County.
- Wote Office along Muumandu Area ,Makueni County.
- Kibwezi Office along Mombasa Nairobi Highway,Makueni County Kenya.
- Masii Office along Machakos Kitui Highway,Machakos County.
- Kilungu Office along Nairobi Mombasa Highway towards salama,Makueni County.
- Mbooni Office along kali-kikima-kitundu Road,Makueni County.
- Mutomo Office located about 70km from kitui town ,Kitui County.
COASTAL REGION:
- Wundanyi Office located at Wundanyi shopping center Taita Taveta County.
- Taveta Office along Voi - Taveta Highway, Taita Taveta County.
- Kinango Office located at Kinango Shopping Centre, Taita Taveta County.
- Samburu Office at Samburu town Kwale County.
- Msambweni Office along Mombasa - Lungalunga Highway,Kwale County.
RIFT VALLEY REGION:
- Bisil Office at Bisil town Kajiado County.
Your Next Financial Goal
We’re All About Helping You Reach Loan Help
Customers Empowered
No. of Loans Issued
Loans Disbursed
Make a Step with ZML and Grow your Business
We enjoy walking with our clients in Business Journey.

To provide financial services to the poor, marginalized and those who generally have limited or no access to formal financial services.
A society with ease of access to financial services.




