The Founder

Stephanie Nguku is the CEO and Founder of Upscale Consulting. She plays a central role in managing and developing relationships, underwriting credit transactions, and working closely with partners and clients to structure and deploy commercial financing for small to mid-sized businesses. Prior to founding Upscale Consulting, she worked in the commercial banking and finance industries as a Credit Manager with Equity Bank Limited, a Senior Underwriter with Real People (E.A) Ltd and an Accountant with several SACCO’s; helping businesses acquire the necessary capital they need to grow.

She has over 12 years of professional experience in providing asset-based working capital and structured term debt financial solutions for middle market companies, among other diversified financial solutions. She has helped businesses in different sectors obtain loans where she was responsible for evaluating financial performance, credit detail and industry markets. She holds a Bachelor of Commerce in Banking and Finance from the Africa Nazarene University, a CPA holder; and is currently pursuing an MBA at the University of Nairobi.

Stephanie has a successful history of building a profitable portfolio of business loans for middle market companies requiring a tailored blend of loans to fund a turnaround plan; finance rapidly growing sales; and/or obtain equipment-based term debt or equipment leases.

She’s a member of several business networking forums such as Profit Network and SME Club, among others.

The Business Development Manager

Joan Numa is a Business Development professional who has an extensive banking career having worked with some of the major banks in the Kenyan market. She builds lasting relationships with Corporates, Institutions, NGOs and State Corporations to reap mutual benefits through their interactions. After spending nearly a decade working in Relationship Management and marketing for key players in the banking industry, Joan knows what truly drives conversions into sales and the benefits of engaging in non-traditional strategic partnerships for the growth of revenue.

Joan has key achievements linked to innovation and incorporating technology in the financial sector to enhance efficiency and effectiveness. In addition to her extensive Relationship Management and marketing experience, Joan is a team player and believes that innovation and self drive always elicits amazing results.

Joan holds an Executive Masters of Business Administration, Bachelor’s degrees in Business Administration & Management and Marketing from Kenyatta University and Daystar University respectively. She is also a member of MSK (Marketing Society of Kenya).


Partnerships founded on principles

Any company facing a real challenge is looking for professionals they can trust to provide real solutions. At Upscale Consulting, relationships and reputation are the foundation on which our firm is built; trust, communication and respect are the cornerstones of our success.

We are backed by impeccable reputation and a proven track record of providing unparalleled service with commitment to integrity and dedication to our clients, partners, industry and community. We do not compromise on our principles or partnerships.

As needed, we affiliate with selected industry partners to optimize the successful outcome of all business solutions.

& Lenders

At Upscale Consulting, we value our relationships with banks and lenders. With banks, there’s the added security that comes with an established lender, as well as offering greater loan amounts and, typically, more competitive rates provided all documentation is provided and you have good credit history. There can be many benefits to non-bank loans, depending on your situation. Some of these may include; faster turnaround for loan approval, shorter term contracts, flexibility in repayment structure, many options for low doc, poor credit and other ‘non-conforming’ loans.

Upscale Consulting welcomes referrals from bank and lender declines, clients whose companies do not meet their criteria’s for one reason or another. Reciprocally, we refer a considerable volume of deals to lenders from prospective client companies who are looking for financing.

Private Lenders &
Venture Capital Firms

Naturally, investors want their capital to go towards increasing profitability and revenue generation as well as make a good return. The Private Lenders and Venture Capital firms we work with supports projects that are economically sound, financially viable, technically feasible, environmentally friendly, and socially acceptable and with positive contribution to the national economy with satisfactory returns to its stakeholders. A private lender, also referred to as non-bank finance, is a third party outside of banks that you can get a loan from. Types of private lenders and Venture Capital firms include impact investment managers, specialty development funders and short term lenders. At Upscale Consulting, we work with a network of non-bank financiers paving the way for new money to come in so the company can maximize potential and opportunity with ideal Investors.

If you would like to introduce yourself as a partner or confidentially discuss a specific business opportunity, please contact Stephanie Nguku on +254 722 449386, or via email at