Growing together isn't a slogan — it's what happens when a facility arrives at the right moment. Here's how NAAV clients have put their loans to work.
"NAAV Financial helped me meet urgent needs while waiting for the contractor to pay me."
Damalie N.
Contractor · Individual Loan
I finish the work long before the invoice is paid. Instead of stopping my operations while I waited, I took a NAAV facility to cover the pressing costs in between, and I repaid once the contractor money came through.
"NAAV has become my bail out — in just one day my loan is disbursed."
Felix
Repeat client · Speed of service
When a need comes up I don't have weeks to wait. With NAAV the service is timely — my loan is assessed and disbursed within a day, and that is why I keep coming back.
"I have never seen a microfinance whose goal is not only to enrich itself but to empower and uplift the community."
Grace K.
Client · Community impact
What stood out for me is how they treat clients who hit financial difficulty — with understanding and workable arrangements instead of pressure. To me that shows a lender that measures its success by how the community grows with it.
"I have never seen a microfinance with patience when a client gets trouble paying — as long as you are trustworthy."
Wavamunho
Client · Flexible repayment
When my money delayed, they didn't rush me. They listened, we agreed on a way forward, and I kept my word. The mode of payment is also easier for me, so staying on track is not a struggle.
"NAAV is the only financial institution that can advise you not to take a loan when it sees you don't need one."
Beatrice N.
Client · Honest advice
They looked at my situation and told me plainly that borrowing then would not help me. That is when I understood they are not after enriching themselves but uplifting their clients and the community. For me, their slogan Growing Together is not for decoration.
"NAAV is not about confiscating clients' collateral but helping them acquire more."
Chelengat M.
Client · Capacity-based assessment
I was requesting 25m and my collateral was worth 80m, but the loan officer assessed my capacity first and advised me to take 10m — an amount I could comfortably manage. Other lending institutions would have looked at the collateral and given me the full amount. Here the first question is what you can repay, not what they can take.
We're collecting more client stories. If a NAAV loan helped your business, your group or your household, tell us about it — with your permission we'll share it here.
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Contract and supply work often pays weeks after delivery. Short-tenure facilities of 1–6 months cover the gap without stalling the business.
Group members of 5–30 guarantee one another and build 20% collateral savings, so security is the group itself rather than physical assets.
Employed clients access credit recovered by standing order, with check-off capped at 60% of net pay so take-home stays manageable.
Apply online and a loan officer will call you back within one working day with the option that fits your income.
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