Naivera Holdings Ltd (Counter1-Serve) is a Fintech company headquartered in Nairobi Kenya.
We unlock capital in African market by connecting lenders(corporate & individuals) to borrowers, and empowering mezzanine lenders towards digital delivery.
Counter1-Serve is a leading Digital Lending Solutions company. We innovate for financial inclusion in Africa by providing digital lending Solutions with models that improve individuals and SME finance in the context of weak credit market infrastructure, in order to maximize wealth creation and sustainable economic growth.

We innovate for financial inclusion in Africa by providing digital lending Solutions with models that improve individuals and SME finance in the context of weak credit market infrastructure, in order to maximize wealth creation and sustainable economic growth.
We offer Digital banking, Loan Management, and fully customized digital lending software.
This software helps you to reduce cost of operations, do easy and convenient lending and reduce the risk of lending.
You can disburse instant loans to your customers, reduce the costs of labour and costs of onboarding new clients.
Reduce the risk of lending and the time needed to manage many customers.
Collect payments easily and reconcile automatically.
Offer customer-friendly products and make loan application easy using mobile apps and USSD.
We innovate for financial inclusion in Africa by providing digital lending Solutions with models that improve individuals and SME finance in the context of weak credit market infrastructure, in order to maximize wealth creation and sustainable economic growth.
We unlock capital in the African market by connecting lenders(corporate & individuals) to borrowers, and empowering mezzanine lenders towards digital delivery.