CEMES LOAN is an Android application developed by MICRO-CAPHOLDINGS that aims to provide financial intermediation to the population at the bottom of the pyramid. The app is designed to enhance financial inclusion and support individuals while strengthening community institutions as a way of fighting poverty.

The app provides a revolving credit line that offers a flexible financial arrangement solution to micro-businesses to access funds at their discretion to meet their business needs. It is designed to help micro-businesses purchase inventory during critical times, manage employee payroll, or pay bills such as hospital bills, school fees, and burial costs while waiting for payments to arrive from slow customers or during a business lull.

The app is an excellent tool for micro-business owners to access funds without going through the traditional banking system. It offers a simple and efficient way to manage their finances, enabling them to grow their businesses and contribute to the economic growth of their communities.