• Bank statements to establish cash flows (3 months for customers and 6 months for non-customers)
• Stated experience in farm enterprise
• Business plan including financial plan –specifying fund utilisation

• Copy of KRA PIN certificate

• Bank statements
• Business plan

Cover operational cost

• Client needs to be running a business

• Copy of KRA PIN certificate

Copy of ID

• Women-led or owned businesses

• Copy of KRA PIN certificate

• If not an existing client of EcoBank then full Due diligence with busines plans, references, etc

• Secured loans
• Unsecured loans

• The business must be in existence for at least 12 months.
• The minimum facility amount is KES100,000.
• The debt-service ratio is 50%.

• Copy of National Identity card

• Certificate of registration
• National identification card (for Kenyan citizens) / Passport (Non Kenyans) 1 passport size photo
• KRA PIN
• Signed Absa account opening pack ( sealed )
• Residential address confirmation ( name estate, road and house number) for all directors and signatories (use the attached format)
• Company physical address confirmation
• Personal return
• Revenue stamp – KES100

• Secured loans
• Unsecured loans

• The business must be in existence for at least 12 months.
• The minimum facility amount is KES100,000.
• The debt-service ratio is 50%.

• Copy of National Identity card

• Certificate of incorporation or certificate of compliance if not locally incorporated
• Memorandum and articles of association
• Company PIN certificate
• National identification card (for Kenyan citizens)/Passport (for foreigners) for all directors (plus ultimate beneficiary owners if company is owned by other companies) and signatories/known agents
• 1 passport-size photo each for all the signatories and directors/known agents
• Board resolution specifying the signing powers on the company letter head sealed with the company seal
• Signed Absa account opening pack (sealed )
• Residential address confirmation (name estate, road and house number) for all directors and signatories (use the attached format)
• Company physical address confirmation (can be found in the new PIN certificates)
• Annual returns (for companies registered over one year ago)
• Revenue stamp – KES100"

To support access water and installation of irrigation system.

Coffee farmers looking to access water and install irrigation system.

• Sales records for the past 12 months

KRA Certificate

Business Registration Certificate

Unsecured business loans are given to customers in performing businesses without tangible security.

This type of business loans is also given to landlords without title deeds.

Customer must have been in business for at least 2 years and banking with HFC for at least 3 Months

• Copy of business license

1. KYC documents e.g. ID ,KRA Pin, passport photo
2. Business records
3. Registration certificate
4. Business licence
5. 3 months bank statements if you are not banking with us

Get financing or working capital for your business

• Applicant must have an active bank account with SBM for at least 1 year
• Business needs to have been operational for the past 3 years at least
• Business must demonstrate stable cash flows
• Monthly turnover for the business should not have declined by more than 25% in the preceding 90 days
• Businesses in trading sectors should not have NIL banking in any given month over the preceding 12months
• Applicant should have credit life insurance

• Copy of National Identity card

Applicant must have an active bank account with SBM for at least 1 year - Standard KYC documentation

It is a loan facility that provides the working capital for business operations and expansion.

It is suitable for retailers, distributors, wholesalers, hardware shops etc.

• Copy of KRA PIN certificate

Sales for the past 12 months

Copy on National ID