Who we are

What makes us unique

Harbour capital is a boutique financial institution that thinks outside conventional lines. Harbour arranges for funding for a variety of companies seeking either debt or equity but also manages its own projects. Since its inception in August 2015, Harbour has operated in a variety of business sectors ranging from real estate to media choosing transactions with profitability as a major criterion but also innovation. Harbour is growing steadily and is on its way to being a premier financial institution in the near future.


We pride ourselves in originating our own transactions and staying on the pulse of the market. Our founders have made remarkable individual careers as successful entrepreneurs and have brought this entrepreneurial spirit to the corporate structure that is Harbour.



Harbour Capital CEO

Harbour aspires to be an example of innovation and financial strategy. With a background spanning three decades in the banking and financial sector, I have seen the progression of the Kenyan market and truly believe that we have yet to see its full potential. At Harbour, we seek to continue on that forward trajectory and contribute to the growth of the financial industry as well as other sectors of the economy.

We have a clear vision of what we want to be – innovators in the financial sector and investors in high potential business opportunities alongside our partners. and we guide our business using five core values - innovate, grow, deliver, sustain and protect our stakeholders’ interests.  I’m proud of the work we do as a team and offer you my strong personal commitment to deliver what we promise and do it ethically and sustainably.


"It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently."

—Warren Buffett


Grow & Succeed in kenya, we know how to do it


We look at the business environment and see how we can improve on the way people do business. We strive to think outside the box while maintaining a rigorous and structured strategy.

"The biggest risk is not taking any risk... In a world that's changing really quickly, the only strategy that is guaranteed to fail is not taking risks."

—Mark Zuckerberg

A team committed to success

Geoff Radier


From 2011, before his role as CEO of Harbour Capital, Geoff was running a thriving consultancy practice. He was also the Head of Group Risk for CfC Stanbic Holdings Ltd between 2008 and 2009 where he oversaw the risk functions of CFC Stanbic Bank Ltd and CFC Stanbic Financial Services Ltd. Prior to that he held the position of General Manager (Risk) with CFC Bank. Having started his career as a management trainee in 1980, Geoffrey has since also held various senior positions in corporate banking and risk management with Commercial Bank of Africa Limited until 1985 and Citibank Kenya from 1986 to 2003 where his last role was that of Country Risk Manager. He holds a Bachelor of Commerce degree in Banking and Finance from the University of Birmingham.

John Macharia

Executive Director

A seasoned entrepreneur, Mr. Macharia is credited with introducing insurance premium financing in Kenya having founded and run Triple A Capital Ltd. Over the years, Mr. Macharia has also built one of the most successful Public Service Vehicle underwriters, Directline Assurance Limited in which to date he serves as an Executive Director. Mr. Macharia is an Executive Director at Harbour Capital with over 20Yrs experience in the financial services sector. John holds a degree from Trent University Ontario Canada in Economics and Computer Science.

Aicha Mane

Operations & Administrative Director

Aicha has significant experience in the preparation and negotiation of business contracts, advising on sound environmental investments and researching on a range of issues including oil and gas. She has worked as a consultant for various companies wanting to establish businesses in Africa. She holds a Juris Doctor from the American University Washington College of Law, two Masters in European and International Trade Law from the University of Paris at Nanterre, and an M.B.A. from the Shanghai Jiao Tong University. She is fluent in English and French, advanced in Spanish and a beginner in Chinese. She has worked in Africa, Asia and Europe.

Maureen Gathuu

Investment Officer

Maureen serves as the investment officer of Harbour Capital Limited. She has significant experience in financial analysis and investment management. She started her career as an intern at Africa Alliance where she conducted fundamental company & investment opportunity research and analysis, in Equities and Fixed Income. She has worked with Urbanis Africa as a financial analyst, where she conducted financial modelling and analysis for various real estate project as well as Managing company’s real estate portfolio. Before Joining Harbour Capital Limited she was the finance manager at Urbanis Africa. She holds a Master of Science in Finance from Jomo Kenyatta University Agricultural and Technology and Bachelor of Science in Financial Engineering from the same institution.

Geoffrey Onyango

Investment Analyst

Geoffrey serves as an Investment Analyst at Harbour Capital Limited. He previously worked as an Equity Derivatives Dealer and Analyst at a leading Brokerage and Asset Management firm in South Africa where he gained experience in derivatives trading, investment advisory, and analysis of global financial markets. Geoffrey holds a B.Comm (First Class) in Finance from the University of Cape Town, South Africa.

Maureen Mbugua

Office Manager

Maureen Mbugua has over 20 years of experience in office management. She started as a junior secretary and grew to become the personal assistant to a variety of high profile executives. Trained as a secretary and later through her varied experience, Maureen is an integral part of the running of the Harbour office.
Selected Projects


We are in the feasibility stage of a large scale agriculture project in one of northern counties in Kenya. With the assistance of some reputed research institutions we are laying the foundation for a sustainable and highly profitable project.

"Being good in business is the most fascinating kind of art. Making money is art and working is art and good business is the best art."

-Andy Warhol




Mr. Steve Murphy is a Director at Directline Assurance. He brings with him over 30 years of experience in the insurance and reinsurance business. In the 30 years, he has been extensively involved in both life and non-life aspects of re insurance. He has previously served as Chief Executive for the last 18 years at the Hannover Reinsurance Group. Together with a great team of individuals, he has helped develop the business, from a small re-insurer in South Africa to the leading reinsurance group on the African continent. Away from the insurance world, he is married with 3 children, and is also a regular participant of the half marathon.



Mr. Kevin Dermot McCourt is a member of the International Commission of Jurists. He is also an advocate of the high court, a partner at Kairu and McCourt Advocates. He holds vast experience in banking law, insurance law and commercial law. He is a former Council Member Law Society of Kenya (LSK) is currently a Director at Directline.He holds a bachelor of Art in Law degree (Hons.) from the University of North London and a Diploma in Law from the Kenya School of Law.



Mr. James Gacoka brings to the board 28 years of experience as an advocate of the high court of Kenya. He has in the past advised both local and international corporations such as Standard Charted Bank Kenya and Kenya Commercial Bank in commercial transactions, banking, corporate finance, project financing and conveyancing matters. Mr. Gacoka holds a Bachelor of Law, Honors Degree from the University of Nairobi, and a Diploma in Law from the Kenya School of Law.



Mrs. Terry Kiarie Wijenje is the Managing Director at Directline Assurance Ltd, a position she has held for the last 10 years. Previous to her appointment at Directline, she was the Finance Director at Triple A Capital. She is an alumnus of University of Nairobi, where she graduated with a Bachelor of Commerce in Accounting. She is also Certified Public Accountant and is a member of Institute of Certified Public Accountants of Kenya (ICPAK).



Peter is an experienced coffee exporter, having started his career at Lonray Incorporated in New York City in 1986. With clients like Nespresso, his company Servicoff Limited is at the forefront of the local and international coffee industry. A consummate businessman, Peter is a director in several Boards for some of the most successful local companies. A passionate conservationist, Peter participates in several fundraising activities for conservation. His achievements in conservation have been reflected in his membership in the Board of Trustees of the Kenya Wildlife Services, his role as a trustee at Rhino Ark Charitable Trust and most recently in his role as Chairman of the Kenya Forest Service.

Harbour Capital Limited, The Oval House 4th Floor, Ring Road, Westlands. P.O.Box 14314-00800,Nairobi Kenya.
Tell: 254 ( 20) 4030000, 254(0) 709 040000, 254 (0) 730 030000 Cell 0705-461757.