BIMAS is a human and enterprise development organization without religious, political or Governmental affiliation.
BIMAS provides access to financial and technical assistance services for human and enterprise development. BIMAS offers the following products and services:-
• Provision of credit to micro and small-scale enterprises.
• Technical assistance to micro and small scale enterprises in way of training, counseling and business advisory services.
• Savings management. CREDIT
Loans are available and currently attract interest at 17% per annum (flat rate) on the amount borrowed. Loan levels are supposed to:-
• Enable a gradual process whereby group members familiarize themselves with repayment discipline to enable them to handle bigger loans.
• Enable the building of confidence among group members.
• Build confidence on the part of the organization to lend higher amounts.
 
Imarika Product
These loans are given to entrepreneurs whose businesses have a potential for growth. They are normally left out by banks and MFIs as they do not seem to fit in any category well as they require higher amounts and flexibility than most MFIs offer while on the other hand do not meet the conditions of the banks.
 
The initial loan for this product is Kshs. 50,000. This category then graduates to Kshs. 100,000, Kshs. 150,000, Kshs. 200,000 and finally Kshs. 250,000.

Soko Kwa Soko
This product targets market traders. This specific category has those traders who trade on market days and may not have a permanent business premises and those who may be trading from their own homes. A large proportion of this category are normally women and youth who trade on market days and revert to agriculture or other chores for the rest of the week.
 
Education Loan (Hitimu)
In Kenya, education is of key importance and every family has a great desire to educate the children. However, many children drop out of schools and colleges due to inability of parents to raise the required fees. Many parents sell their only and hard earned properties such as land and livestock, eventually, they may only afford to educate one child while the rest drop out of school. This leaves them poorer and more vulnerable.
 
School fees also drains businesses as business people draw a lumpsome from the business which hampers business growth and also affects the family economic well being.
 
School fees loans are geared towards assisting parents out of this trap and enabling them to pay gradually, without loosing their hard earned investments or draining their businesses. The education loans are intended to boost the education sector in Kenya. The education loans are in two phases with a maximum loan of Kshs. 15,000 for phase one and a maximum loan of KShs. 30,000 for phase two. All loans are payable within a maximum period of 12 months.

Upesi loan ( Emergency)
This is a special loan product designed to assist clients meet small incidental business and household financial needs e.g. Hospital bills. The maximum loan size is 10,000/=, repayable in 3 or 6 months, on a weekly or monthly basis.

Maendeleo loan.
This loan product has been designed to help members purchase household assets like TVs, solar panel, fridges, videos, water tanks, deep freezers, computers, you name it. The maximum loan size is 20,000/=, repayable in 3 or 6 months, on a weekly or monthly basis.
K- gas loan.
This loan designed in partnership with Kenol/Kobil, allows our customers to purchase any of the 6 different K-gas products. The maximum loan size is upto 6,000/= payable in 3 or 6 months.
 
Boda boda
This loan product is designed to target the youth, so that they can be self employed in income generating activities. This creates employment for the youth, taking them away from idleness that would make them engage in anti-social behaviour. This allows the client to buy a bicycle, and use it for boda boda taxi business. The maximum loan size is upto Kshs. 5,000/= depending on the cost of the bicycle, payable in 3 or 6 months.

Sanaa
This product targets clients in the field of art and especially the youth involved in art and handicraft activities like sculpture, Ciondos, ropes. Beadwork, drawings, etc.