Micro, Small, and Medium Enterprises (MSMEs) are the backbone of Kenya’s economy, contributing approximately 40% to the country’s GDP and employing nearly 14.9 million people. These enterprises drive innovation, create jobs, and support livelihoods across diverse sectors. However, despite their significant economic role, MSMEs face persistent barriers in accessing formal financing. Of the estimated 7.4 million MSMEs in Kenya, only 1.5 million are formally registered. Informality, limited collateral, and sparse credit histories make it challenging for financial institutions to evaluate their creditworthiness.