12 Lucrative Business Ideas in Kenya That Require Low Capital

Starting a business is a dream for many individuals, but limited capital often poses a significant obstacle. Fortunately, in Kenya, there are several business opportunities that require minimal investment but offer the potential for significant returns. In this blog post, we will explore ten low-capital business ideas that can be pursued by aspiring entrepreneurs in Kenya.

  1. Mobile Food Vendor

The food industry in Kenya is thriving, and a mobile food vending business can be an excellent option for those with limited capital. You can start small by selling popular snacks or beverages, such as samosas or fresh juice, from a portable cart or stand. We often see smokie vendors on busy streets or bus stops. As your business grows, you can expand your menu and even consider catering services for events.

  1. Freelance Services

If you possess specialized skills, such as writing, graphic design, programming, or digital marketing, you can offer your services as a freelancer. Platforms like Upwork, Fiverr, and Freelancer.com provide a global marketplace where you can showcase your skills and find clients from all over the world. All you need is a computer, internet access, and determination to succeed.

  1. Cleaning Services

With the rapid growth of urban areas in Kenya, there is an increasing demand for cleaning services. Starting a cleaning business requires minimal investment in cleaning supplies and basic equipment. You can offer your services to residential or commercial clients, providing general cleaning, specialized cleaning (e.g., carpet or window cleaning), or even post-construction cleaning.

  1. Event Planning

Event planning is a thriving industry in Kenya, with a high demand for weddings, corporate events, and social gatherings. If you have good organizational and communication skills, you can start your event planning business with low capital. Begin by offering your services to friends and family, and as your reputation grows, you can attract more clients and expand your business.

  1. Online Retail

E-commerce has experienced significant growth in Kenya, presenting a great opportunity for entrepreneurs. You can start an online retail business by identifying a niche market and sourcing products from local suppliers or manufacturers. Platforms like Jumia, Kilimall, and social media marketplaces can help you reach a wide customer base without the need for a physical store.

  1. Mobile Money Agent

Mobile money services, such as M-PESA, have revolutionized financial transactions in Kenya. Becoming a mobile money agent requires minimal capital and allows you to earn commissions on transactions conducted through your shop. You can also provide additional services like bill payments, airtime sales, and even offering small loans, for example, loan sharks.

  1. Home Bakery

If you have a passion for baking, starting a home bakery can be a profitable venture. With a small investment in baking equipment and ingredients, you can offer a variety of baked goods, such as cakes, cookies, bread, and pastries (including chapatis). Build a loyal customer base through word-of-mouth and social media marketing, and consider partnering with local cafes or grocery stores to expand your reach.

  1. Agribusiness

Kenya’s agricultural sector offers numerous opportunities for aspiring entrepreneurs. You can start small-scale farming, focusing on high-demand crops or livestock, such as poultry or dairy farming. Additionally, you can explore value-added opportunities, such as processing and packaging agricultural products, or even starting a small greenhouse to grow specialty crops. You can look for tenders in schools and other institutions to supply Sukuma wiki and other groceries.

  1. Personal Training

With the increased focus on health and fitness, starting a personal training business can be a lucrative venture. If you have expertise in fitness and nutrition, you can offer personalized training sessions to individuals or small groups. You can start by training clients in public parks or their homes, minimizing the need for a dedicated gym space.

  1. Tutoring

Education is highly valued in Kenya, making tutoring a promising business option. If you excel in a particular subject or have teaching experience, you can offer tutoring services to students in your community. Identify the subjects in high demand, such as mathematics, sciences, or English, and create tailored lesson plans. You can conduct tutoring sessions at your home or the student’s location.

  1. Mitumba business

This is one of the oldest and most lucrative business in Kenya. Some traders have made millions by selling bales to small business people. However, reselling mitumba is profitable (sometimes one can earn triple profit). You can shop from Gikomba, Muthurwa or Toi market.

  1. Cereal business

The business venture thrives in residential areas and requires as little as 5000 shillings. One can buy fast moving cereals such as pop corn, beans, and groundnuts.


Starting a business with low capital is entirely possible in Kenya, thanks to the availability of various opportunities and a supportive entrepreneurial ecosystem. The key to success lies in choosing a business idea that aligns with your skills, interests, and market demand. By leveraging creativity, determination, and strategic planning, aspiring entrepreneurs can overcome financial limitations and build thriving businesses. Remember, the most crucial investment is not monetary, but rather your dedication and passion for your chosen venture.

Top of Form

Leave a Reply

Your email address will not be published. Required fields are marked *