• 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

• Bank statements
• Business plan

• Women-led or owned businesses

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

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

• 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

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

• 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"

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

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

• 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

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

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

• 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.

• Channel farm sales proceeds directly to Transnational Bank or check off arrangements must be in place.
• A minimum own contribution of 30% of asset value

• 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
• 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