• Active Equity Bank account holder.
• Demonstrate loan repayment ability.
• One-year experience in commercial farming or one successful production cycle.
• Demonstrate the existence of other sources of income that could be used in repayment of the loan in case of crop failure, loss of harvest and/or poor marketing due to adverse weather and/or any other factors.
• Provide documentary evidence of farm ownership to be used for production or a valid lease agreement covering at least two future production cycles.
• The farming project to be financed must be within a radius of 50km from the Bank branch and easily accessible to the Bank officials.
• Provide conventional security to cover the loan.

• Equity Bank account statement.
• Farm ownership title or a valid lease agreement covering at least two future production cycles.
• Conventional security documents e.g. Title, log books etc.

• Equity Bank account holder for a minimum period of three (3) months.
• The applicant must have received at least one-month’s remittance through the bank account.
• Demonstrable ability to repay the loan.
• At least three (3) most recent payment slips in case you are employed.
• Provide documentary evidence of ownership of the farm used for production or a valid lease agreement covering at least two future seasons.

• Bank statement
• Documentary evidence of farm ownership or a valid lease agreement covering at least two future seasons.

• Be a graduate from a recognized Food & Agriculture related training institution.
• Be interested in establishing a business entity in line of the training specialization and background.
• Be active account holders or be willing to open and operate an account with Equity Bank (K) Ltd.
• Demonstrate ability to run viable and bankable project preferably based on the academic projects presented to the relevant department at attaining the training certification of the borrower.
• Be trained or willing to be trained on Financial Literacy, Entrepreneurship and Digital Literacy by Equity Group Foundation. The Borrower’s project must be of commercial nature.
• Own cash contribution of at least 10% of the total project cost as part of the capex.
• Valid lease agreement of the property/premises to be used for the business and/or formal confirmation of the parent /guardian’s property allocation.
• Provide signed contracts to purchase the produce/products from proposed buyers.

• Graduate certificate from a Food & Agriculture related training institution.
• Bank account statement
• Valid lease agreement of the property/premises to be used for the business and/or formal confirmation of the parent /guardian’s property allocation.
• Provide signed contracts to purchase the produce/products from proposed buyers.

• Bank account holder.
• Document the loan purpose - working capital and operational needs.
• Demonstrable ability to repay the loan.
• Posses relevant business licenses, such as License by KEPHIS (Kenya Plant Health Inspectorate Service) and PCPB (Pest Control Products Board) for stockists already in Agri-business (business existence of 1 year).

• Bank statements.
• Business licenses, such as License by KEPHIS (Kenya Plant Health Inspectorate Service) and PCPB (Pest Control Products Board) for stockists already in Agri-business (business existence of 1 year).

• Active with Equity Bank account holder.
• Timely loan application (preferably one month before the setting in of planting season).
• Demonstrable loan repayment ability.
• Attend weekly group meetings as stipulated in the agriculture group lending policy (for borrowers under this category).
• A commercial farmer with farming experience of at least one (1) successful season.
• Documentary evidence of farm ownership or a valid lease agreement covering at least two future seasons.
• Obtain quotations/pro-forma invoices for the inputs to be financed.
• Demonstrate understanding of the market for the commodity being financed.

• Equity Bank account statement.
• Documentary evidence of farm ownership or a valid lease agreement covering at least two future seasons.
• Quotations/pro-forma invoices for the inputs to be financed.
• Collateral documentation –chattels or conventional securities.

• Targets farmers operating monthly remittance accounts with Equity Bank i.e. tea and dairy farmers.
• Equity Bank account holders for a minimum period of three (3) months
• At least one-month remittance through the Equity Bank account and to provide a three (3) years account statement from your previous bankers.
• Demonstrable ability to repay the loan.
• Three most recent payslips.
• Documentary evidence of farm ownership or a valid lease agreement covering at least two future seasons.
• Present evidence of the subject to be financed such as pro forma invoices, bills of quantity etc

• Equity Bank account statement
• Three most recent payslips.
• Land Title or a valid lease agreement covering at least two future seasons.
• Present evidence of the subject to be financed such as pro forma invoices, bills of quantity etc.

• Equity Bank account holder for at least 12 months
• Be in commercial farming for at least two (2) successful seasons/cycles and good knowledge of the market.
• Possess relevant licensing especially for agro-traders and processors.
• Demonstrable sources of income for loan repayment.
• Documentary evidence of farm ownership for production or a valid lease agreement covering at least two future seasons/cycles.
• Farming project to be financed must be within a radius of maximum of 30kms from the branch and easily accessible to the bank officials

• 12 month Equity Bank account statement
• Documentary evidence of relevant licensing especially for agro-traders and processors.
• Title Deed or a valid lease agreement covering at least two future seasons/cycles.

• An active Equity Bank account holder or willing to open and operate an account with Equity Bank (K) Ltd.
• Demonstrate ability to repay.
• At least one-year experience in commercial seed growing, or one successful production cycle (this need to be evidenced by proof of the past sales records & receipts, previous banking history, or recommendation from Kenya Seeds Company, or any other seed multiplication contracting company.).
• At least 2 acres of seed production land.
• Ability to contribute 30% of the total production cost (either cash or in kind).
• Documentary evidence of farm ownership or a valid lease agreement covering at least one future production cycle.
• Provide signed seed production contract with the contracting company.

• Equity Bank statement
• Past sales records & receipts, previous banking history, or recommendation from Kenya Seeds Company, or any other seed multiplication contracting company.
• Commitment to contribute 30% of the total production cost (either cash or in kind).
• Title deed or a valid lease agreement covering at least one future production cycle (at least 2 acres)
• Signed seed production contract with the contracting company.

• Enterprises/dealers trained & certified through AAK, AGMARK or other Ministry of Agriculture approved program
• Business should have been in operation for at least 12 months

• Training certificate from AAK, AGMARK or other Ministry of Agriculture approved program

• Applicant must have delivered tea to either KTDA or other listed private tea factories

• 3 latest tea delivery receipts
• Bonus receipt of the previous year
• Original and copy of national ID
• Signed irrevocable letter of undertaking/assignment form and guarantor form (where applicable)

• A detailed Business Plan or Feasibility Study
• Letter of offer to ICDC for an equity stake in the company/business
• Executed Board Resolution for the offer
• Certificate of Incorporation, Memorandum and Articles of Association

• A detailed Business Plan or Feasibility Study
• Letter of offer to ICDC for an equity stake in the company/business
• Executed Board Resolution for the offer
• Certificate of Incorporation, Memorandum and Articles of Association

• A duly filled loan application form
• Feasibility study/Business plan
• 6 Months Certified Bank Statements
• Latest Management Accounts
• Past 3 years Audited Accounts
• Copies of certificate of incorporation
• Memorandum & Articles of Assosiation
• Coies of proforma invoices for the asset being purchased
• Collateral

• A duly filled loan application form.
• Feasibility study/ business plan
• Memorandum and Articles of association.
• Project cost estimates
• Financing plan
• Audited accounts for 3 years for the existing business or related business.
• Bank statements for 3- 6months
• Collateral

• M-Pesa account

• M-Pesa account

• Years in Operation: 3 years of business operations. We focus on financing for agricultural businesses, cooperatives and related enterprises. We do not lend directly to individual farms.
• Minimum Annual Revenue: $250,000
• Location: Must be legally established in one of Root Capital’s lending countries within Africa, Latin America, or Southeast Asia (see sidebar).
• Documentation: Must present audited or management-prepared financial statements from the past three years.
• Products & Services: Must be active in one or more of our focus industries: coffee, cocoa, honey, tree nuts, vanilla, grains, oilseeds, and other staple crops.
• Commercial Relationships: Must have strong relationships with established buyers and at least two professional references.

• Financially and commercially sustainable
• Size of the enterprise: minimum annual exports of USD 800,000 or the equivalent in Euros
• Minimum annual turnover of USD 1,000,000 or the equivalent in Euros
• Three years of track record in export
• Sustainability certification (such as organic, fair trade, Utz, and Rainforest) or a conversion plan in place.

• Minimum own contribution of up to 20% for new vehicles and 50% for land
• Individuals qualify based on ability to service the loan.

• Filled in U&I Loan application form
• Copy of national ID card
• U&I Bank statements
• Passport photo
• KRA pin copy
• Profoma Invoice from the seller
• Valuation report from a valuer

• Applicant must have operated account satisfactorily with CBL for a minimum period of 6 months channelling their cash flow through the account 
• Applicant must have operated account with CBL satisfactorily for at least 2 months and have a record of satisfactory account record with another bank over a minimum period of 6 months.
• Applicant must have no existing non-performing account as demonstrated in their credit bureau report, accounts statements and records with CBL.

• Completed loan application form with required documents attached.
• Copies of last 12 months bank statements from banks other than CBL.
• Must have an account with CBL for at least 2 months.
• KYC Documents : National ID, KRA Pin, Certificates of Business Registration etc.

• Applicant must have operated account satisfactorily with CBL for a minimum period of 6 months channelling their cash flow through the account.
• Applicant must have operated account with CBL satisfactorily for at least 2 months and have a record of satisfactory account record with another bank over a minimum period of 6 months.
• Applicant must have no existing non-performing account as demonstrated in their credit bureau report, accounts statements and records with CBL.

• Completed loan application form with required documents attached.
• Copies of last 6-12 months bank statements from banks other than CBL.
• Must have a transactional account with CBL for at least 2 months.
• KYC Documents : National ID, KRA Pin, Certificates of Business Registration etc.

If you’re looking for a home loan, NCBA makes becoming a homeowner an achievable goal. Our loans offer:

• Mortgage loan facilities of the loan amount in local currency, 1.5 % of the loan amount in foreign currency.
• NCBA mortgage loans are offered in Kenya Shillings, Dollars, Pounds, and Euros.
• Up to 105% Financing of property value or market price whichever is lower.
• Maximum term of up to 25 years.
• Home loan Interest is calculated on a reducing balance basis.

KYC Documents

KYC Documents

Sales agreement where applicable

Copy of title or lease of the property

6 months Bank statements if not banking with NCBA

Duly registered business

Mantaining active account at Gulf African Bank

+ 6 months in operations

Letter of undertaking from Safaricom to channel residual income to GAB

Letter indicating the segment the client has been placed by Safaricom

Six months bank statement where the residual income is channeled 

Registered company

GAB account holder

> 6 months in operations

Limited Companies - Memorandum & Articles of Association, Certificate of Incorporation, Latest annual returns and filing receipts

Sole Proprietorship - Certificate of registration

GAB Account for servicing mortgage

Duly registered company

> 6 months in operations

Business people - Sale agreement or offer letter,  Board resolution authorizing transaction, Certified copy of Memorandum & Articles of Association 

Self Employed - Business registration certificate, Certified/original bank statements for the last 1 year, Copy of title of the property

Duly registered business

Mantaining active account at Gulf African Bank

+ 6 months in operations

12 months certified bank statements

Board resolution

Copies of directors ID/PP and PIN

Directors joint and several guarantees

Board resolution

Letter of set-off

Cash margin mandate

Duly registered company

+6 months in operations

Active Gulf African Bank account holder

12 months certified bank statements

Business license/ permits for two years

Premises with lease running for the tenure of the facility

Copy of personal PIN Certificate

Company PIN

Certificate of Incorporation

Latest tax returns and filing receipts

• Farmers with at least 2 years in the financed agricultural activity.
• For Tea and Dairy farmers; produce deliveries must be to marketers with MOU with the bank.
• Evidenced repayment ability

• Bank statements
• Lien over tea/milk deliveries

• Demonstrate your ability to repay the loan
• Demonstrate that you have a minimum of two (2) years in business
• Credit Life Insurance against death & permanent disability

• Demonstrate your ability to repay the loan
• Demonstrate that you have a minimum of two (2) years in business
• Credit Life Insurance against death & permanent disability
• KRA Pin
• Business Permits