The informal sector, is Kenya's largest employer, employing over 83 percent of the workforce and generating about 34 percent of the country's GDP. Despite their importance, statistics show that three out of every five companies collapse during the initial period in existence, with 80 percent of those who survive failing by the fifth year. The most pressing issue confronting MSMEs is a lack of access to finance. Mobile lending has come to fill this gap but questions are being raised due to its high interest rates. The main aim of this research was to analyze the influence of mobile lending on financial sustainability among SMEs in Roysambu Sub-county. The following objectives were used to provide guidance; to determine the influence of credit accessibility on financial sustainability, to study the effect of cost of credit on financial sustainability, to study the effect of terms of credit on financial sustainability and to establish the effect of credit convenience on financial sustainability. This research adopted the financial intermediation theory, information asymmetry theory and finance growth theory. This research employed a descriptive research design. The 1098 registered SMEs in Roysambu Sub-county served as the research population. Sample size was 96 respondents arrived at using Yamane formula. This research relied on primary data collected through questionnaires. Google forms were made use of in the questionnaire administration. The collected data was converted into quantitative format to make analysis by use of SPSS. The statistics generated were descriptive statistics which comprised of mean and std. deviation and inferential statistics which included both correlation analysis and multiple linear regression. The study revealed a significant positive relationship between credit accessibility, cost of credit, terms of credit, credit convenience and financial sustainability among SMEs in Roysambu Sub-county. Regression analysis revealed that 93.3% of changes in financial sustainability among SMEs were attributed to the four variables selected in this study. In conclusion, credit accessibility, cost of credit, terms of credit and credit convenience are essential in enhancing financial sustainability. Based on the findings, credit convenience had the greatest influence on financial sustainability followed by terms of credit while credit accessibility and cost of credit had the least influence. As a result, it is recommended that SMEs' managers and owners should utilize mobile lending, as this improves their financial sustainability.

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