Kenyan businesses face a significant hurdle in accessing affordable finance, with a substantial financing gap hindering their growth and the country's economic development.

• The financing gap for Kenyan micro, small, and medium enterprises (MSMEs) is estimated at Sh2.5 trillion by the Kenya Bankers Association.
• This lack of capital restricts private investment, job creation, and the private sector's contribution to economic transformation.
• Factors contributing to expensive credit include perceived risk, lack of formal financial records, and insufficient collateral, creating a cycle where limited finance restricts growth, making future access even harder.