The Founder

Stephanie Nguku is the CEO and Founder of Upscale Consulting. Having obtained gainful experience from the financial sector of over 12years, 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 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 finance where she was responsible for evaluating financial performance, credit detail and industry markets.

In the Business Ecosystem, Stephanie has worked closely with Cytonn College of Innovation and Entrepreneurship, Techstars Startup Accelerators and WYLDE International as a trainer and coach on matters access to capital and investor readiness, a space she has become well versed with. Upscale Consulting has also held events to equip entrepreneurs still on matters investor readiness.

Stephanie holds a Bachelor of Commerce in Banking and Finance from the Africa Nazarene University and is a CPA holder. She’s a graduate of the PassionBiz Academy having gone through the Harness Your Brilliance Program aimed at harnessing one’s business acumen. She has undergone a Public Speaking Masterclass with Shape Afrika Ltd and is scheduled to undertake a Certified Coach Program with Certified Development Institute soon.

She is a member of several business networking forums and has grown to be a key influencer in the business fronts.

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 & Affiliations

Partnerships founded on principles

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.

Our firm actively cultivates professional synergy, building associations with numerous partners who honor the same values of commitment and integrity. These relationships include financial institutions; angel investors, venture capitalists, private equity firms; business incubation centers, consultants; professional organizations among others. Any client that works with Upscale Consulting can be assured of a collectively reputable network at their disposal.

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