Micro, Small and Medium-sized Enterprises remain the principal engine behind Kenya's economic growth. According to the Kenya National Bureau of Statistics (KNBS), more than 7.4 million MSMEs in the country provide employment to approximately 14.9 million Kenyans in various sectors. However, with the adverse impact of the COVID-19 Pandemic on the SME sector, coupled with pre-existing barriers, the sector faces an acute challenge in its ability to access affordable credit to sustain its operations.