Step & Fly spots talented women in rural Kenya who are in poverty and advances each individual seed money as well as sharpens their business skills through training to ensure success in each of their business ventures. The all-women members co-guarantee each other to establish full payment of the loan advanced. These members do this because poor women lack collateral to secure a loan. The co-guarantee system ensures compliant to the business venture and repayment of the loan. The program is such a success that women in the program actively refer other women in the community to join Step & Fly so much so that there is now a waiting list. Because of Step & Fly’s lack of resources, women who are not yet in the program, have to wait until those who are in program fully pay back their loan.