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Financing Options and Providers

Total results: 175

Facility Name Sort Provider Purpose Max Sort Business Eligibility Minimum Documentation Required Collection / Repayment (months) Sort
Gulf African Bank

The Annisaa Biashara financing is designed for the lady looking to finance her business.

KES 3,000,000

Duly registered business

Mantaining active account at Gulf African Bank

+ 6 months in operations

Bank/Mpesa statement for the last 12 Months

48
Gulf African Bank

Aquisition of machinery, pick ups and personal vehicles, used trucks and trailers, New trucks and trailers

Registered business

Operational for > 6 months

Account holder


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

Sole Proprietorship - Certificate of registration

60
Rafiki Microfinance Bank

To provide the best solutions to businesses to purchase movable assets such as commercial motor vehicles, personal vehicles and motor bikes for bodaboda.

KES 20,000,000

·        Character assessment (Not listed on CRB)

·        Adequate cashflows

·        Business Registration Certificate

·        KRA PIN of the company

·        KRA PIN of the individual

·        Copy of your Identity card

60
Favourite Accion Global Investments
Accion
Accion Global Investments invests in established financial institutions and innovative financial service providers that leverage technology to support underserved microentrepreneurs, families, and individuals in emerging markets.
60
Favourite Accion Venture Lab
Accion
Accion Venture Lab provides capital and extensive support to innovative, scalable fintech startups that improve the reach, quality, and affordability of financial services for the underserved.
KES 654,000,000
  • Mobile phone–based financial services or business models built on mobile payment platforms;
  • Specialized credit assessment or delivery models (e.g., underwriting/credit scoring approaches, housing, education, small and medium enterprise finance, energy);
  • Online or social media platforms for enabling financial access (e.g., peer-to-peer, social media);
  • Pay-as-you-go, collaborative consumption, and other “embedded” financial service models (e.g., micro-leasing, rent-to-own, modular housing); and
  • New products (e.g., savings, remittances/payments, microinsurance, and credit) for people living in poverty.
12
Aceli Africa
Aceli Africa will provide targeted financial incentives to lenders to increase their risk appetite, while facilitating technical assistance to agricultural SMEs (farmer cooperatives and food processors) so that they can qualify for and manage financing
60
Favourite Acumen
Visit Website Visit Website Location New York, NY, 10013, USA Get a call back
Acumen
Invests in companies that 1) provide farmers access to better products that allow them to sustainably increase production and sell more crops, and 2) integrate farmers into global supply chains by enabling them to bypass middlemen and sell their products directly to buyers at fair market value.
60
Kingdom Bank Ltd

This is an instrument issued by Kingdom Bank on behalf of our customer to secure upfront payments to them by third parties for jobs awarded to, but not yet executed by, the contractor or customer.

  • Contract document.
  • Must be a Kingdom Bank account holder .
  • The counter-party must be a bank-approved entity and recognized by the bank.


KYC DOCUMENTS

24
AgDevCo
AgDevCo raises debt and equity for commercial investment while also providing technical assistance.
  • proven business model (and full business plan and financial operating history for larger investments)
  • strong management team
  • potential for long-term growth
  • potential positive impact on people, economies and the environment
  • And in line with our Investment Policy and Procedures.
60
Favourite Agri-Business Development Programme;
IFAD
60
Access Bank (Kenya) Plc
Finances farm inputs for farm crops.
KES 100,000
  • Unsecured up to KES 50,000
  • Easy collateral up to KES 300,000
  • Standard collateral > KES 300,000
  • Certificate of registration
  • National identification card (for Kenyan citizens) / Passport (Non Kenyans) 1 passport size photo
  • KRA PIN
  • 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
36
Dodore
Government Development Finance Initiative
AgriFI Kenya Challenge Fund is implemented by Self Help Africa with technical support from Imani Development Limited. The European Union initiative targets 50 Agri –enterprises in 2 windows. NB: Competition window closed on 20th November 2019
KES 100 Billion
  • Economic Drivers/Viability: Business model fit and growth prospect (i.e. profit, turnover, cash flow, efficiency and market potential) and the business capacity (i.e. governance, financial and risk management)
  • Social impact: Inclusion of smallholder farmers, pastoralists, job creation, influence on food security and improved nutrition, gender and youth inclusion, and inclusion of arid areas.
  • Environmental impact: Inclusion of climate smart approaches at farm and enterprise level
  • Additionality and level of leverage.
  • A minimum 50% match fund required –own sources or external equity investment
24
Bank of Africa
A short to Medium term credit facility to help farmers purchase farm inputs such as seeds, fertilizers and chemicals, pay for lease of additional agricultural land, buy livestock, meet their harvesting and marketing costs and also finance other social development needs.
  • Detailed Analysis of the agricultural project including expected revenues and all the cost items e.g. seeds, animal purchases, herbicides, pesticides, harvesting and labour.
  • A comparative analysis of the neighbourhood to establish the kind of farming carried out, expected harvest and suitability of the farming activity the customer is carrying out
  • 12 months bank statement
  • Documentary evidence of farm ownership or a valid lease agreement covering at least one future production cycles
  • Documentary evidence of the last three year experience in the line of business
  • Good credit history
  • For limited companies Specific debenture over the asset being purchased
  • KYC documents i.e. directors ID and PIN, Company PIN, MEMART and Certificate of registration
  • Business records
  • Copy of security
  • Land ownership/lease agreements documents
  • Dully completed loan application as per account mandate and appraisal form, resolution to borrow.
  • Current Valuation Report from bank’s authorized valuers is required for used motor vehicles
  • Complete security perfection after the approval.
  • Detailed call report including photos and sketch maps
12
Favourite Agribusiness Loans
ECLOF Kenya
Financing farmers to acquire high breed livestock, as well as farming in horticulture, banana, fruits, oil seeds and floriculture.
36
Favourite Agribusiness/Agro dealer loans
SMEP Microfinance Bank
Loans given to clients who trade for agricultural inputs and produce like farmers, agro dealers, commodity traders and processors for their day to day operations.
60
Favourite Agricultural Asset Financing
SMEP Microfinance Bank
Financing for acquisition of agricultural farm machineries, equipments and implements like tractors, milking machines, chuff cutters etc and motor vehicles used in the agricultural value chains.
60
Favourite Agriculture Finance Corporation -Agribusiness
Government Development Finance Initiative
Loans designed to provide start-up capital for those seeking to start, or are engaged in agricultural microenterprises. Specifically, the product targets marketers and processors farm produce, traders, transporters, marketers and processors farm produce.
  • Open to individual borrowers and groups
  • Viability of the business
  • Tangible security for the loan
  • 20 % equity contribution towards the project.
36
Favourite Agriculture Finance Corporation -Cash Crop
Government Development Finance Initiative
The credit facility for cash production of tea, coffee, Sugarcane, pyrethrum, cashew nuts, citrus, mango trees, bananas, stevia and other cash crops. The facility finances crop establishment, crop maintenance, processing equipment, and operating costs.
  • Tangible security for the loan
  • Appropriate and approved crop varieties
  • Availability of processing facilities within reasonable distances.
60
Favourite Agriculture Finance Corporation -Horticulture & floriculture development loan
Government Development Finance Initiative
These are loans to finance horticultural and Floricultural projects covering Fruits, vegetables and flowers; green houses and related equipment; water and electricity supply systems; harvesting and packaging equipment; labour and other operational costs; and working capital
  • Relevant experience in floriculture & horticulture
  • Compliance with regulatory requirements
  • Adequate water supply
60
Alterfin -Guarantee Fund

Alterfin extends funding to microfinance institutions and to associations of smallholder farmers or companies.

KES 165,000,000
  • Number of years of operation > 2
  • Gross Loan Portfolio > USD 1,000,000
  • Broad outreach: minimum 1000 clients or members
  • Deep outreach: oriented towards poorer sections of society: rural, agricultural, women
  • PAR 30 days + restructured + write-off < 10%
  • Operational Self Sufficiency > 80% and positive trend
  • Leverage < = 5
60
Favourite Alterfin-smallholder farmer organisations
Alterfin -smallholder farmer organisations

Extends financing to smallholder farmers' organizations.

KES 165,000,000
  • Number of years of operation > 2
  • Benefits for smallholder farmers should be demonstrated (e.g. by fairtrade label)
  • Minimum number of farmers benefiting: 150
  • Minimum yearly sales > USD 500,000
  • Operational Self Sufficiency > 90% and a positive trend
  • Purchase orders
  • Physical asset collateral
18
Favourite Asset Finance
Industrial Development Bank
36
Favourite Asset Finance
Cooperative Bank of Kenya

• Copies of identification documents, that is, Memorandum & Articles of Association as well as Certificate of Incorporation (for registered companies)

• Business Registration Certificate

• Identity cards for borrowers who do not have registered businesses 

• Identity cards for directors of registered companies and registered businesses

• Bank statements for 6 months

• Audited accounts for loans above Ksh 10 million

• Resolution to borrow (for registered companies) and details of business location

• Invoices and/or importation documents

60
Favourite Asset Finance
Family Bank
Acquisition of moveable assets, such as, motor vehicles, pick ups, buses and lorries. Other assets include: tractors, heavy earth moving equipment, machinery and motor cycles.
• Minimum own contribution of 20% of cost of asset • Minimum monthly income of Kes.10,000 • Comprehensive insurance for vehicles/equipment for the period of finance
• Bank statements for a period of 6 months • Pro-forma invoice from dealer/ seller • Copies of logbooks for other motor vehicles owned by the applicant • Recent AA/Regent Automobiles valuers and assessors valuation (used vehicles) • Copy of logbook (used vehicles) • Sale agreement
48
Faulu Microfinance Bank Limited

The facility supports SMEs and Individuals acquire assets such as Personal cars, trucks, trailers, plant machinery etc. with affordable Insurance premium financing

12
Bank of Africa

Bank of Africa will scale up your status and business by enabling you acquire new and used movable assets at the best negotiated rates. Our desire is to see you achieve your ambitions.

Variety made closer with BOA Asset Finance, assures our customers that we are there to walk the journey with them. We not only offer them a wide selection of options, but guarantee that we will bring their dreams closer by having a fast turn around time. And on top of it all Loan amount, Processing fee, life and comprehensive insurance to be financed as one loan



  • Registration bsiness
  • Business permit


  • National Identity card
  • KRA PIN Certificate
  • Individual insurance form
  • Registration certificate (if it is a sole proprietorship)
  • 12 month’s account statement certified
  • Copies of current contracts
  • Proforma invoice/Sale agreement
  • Logbook copy/import document
  • Detailed company profile
  • Business permit


60
Favourite Asset Finance Loan
Visit Website Visit Website Location Nairobi, Kenya, Kenya Get a call back
Musoni Microfinance Ltd
Financing people to purchase assets
KES 3,000,000
  • Kenyan Citizen
  • Age 18+ years
36
M-Oriental Bank Limited

Whether the opportunities be in construction, transport, manufacturing, quarrying, printing, processing or material handling; we have you covered.

Must be an account holder having operated an account for more than 6 months.

  • Certificate of incorporation
  • Memorandum & Article of Association
  • Resolution from the Board of Directors to open an account and identification of those who have authority to operate the account
  • Copy of the KRA pin certificate of the company
  • Business permit
  • Certificate of trading for public ltd companies/where applicable
  • ID or passport for directors & signatories
  • Introduction from existing customer /RM/BM /certification by the marketing staff
  • Download Non-Individual Account Opening form


Favourite Asset Financing Loan
Visit Website Visit Website Location Nyayo Stadium, Nairobi, Kenya Get a call back
Kenya Women Microfinance Bank
Financing for both existing and new clients to acquire tangible asset for business efficiency and commercial use. Assets to be funded include motor vehicles, motor bikes, plant and machinery, tractors, specialized equipment, office equipment, contractor equipment, water pipes etc.
  • At least 10% co-investment
  • 2 guarantors
  • Collaterals
60
U & I Microfinance Bank

Financing to help businesses purchase of land, motor vehicles, Trucks, Buses, Pickups, Taxis.  

  • 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
36
Prime Bank

Capital Expenditure/ Operating Expense

KES 500,000,000
  1. Customer needs to be in profitability
  2. Security acceptable by the Bank
  3. Customer need not to be listed on CRB list
  1. 3 Yrs Audited Financials
  2. Management Account for the Current Year
  3. 6 Months Bank Statement
  4. Business Registration Certificate, Certificate of Incorporation
  5. Company & Directors' KRA PIN
  6. Directors' ID Copies
  7. CR12
60
Diamond Trust Bank

Under the Beba Leo scheme, SME clients can buy brand new vehicles as per below pre-approved brands  with 100% financing from DTB.


  • Registration form duly completed
  • National identity card/passport – original and copy
  • KRA Pin certificate
  • 3 month’s payslip (if employed)


48
Bank of Africa

This is a short to medium term loan granted to customers to finance Expansion and the growth of their business i.e. working capital and business expansion

KES 10,000,000
  • KYC documents i.e. directors ID and PIN, Company PIN, MEMART and certificate of registration
  • Business records
  • Copy of security
  • Dully completed loan application as per account mandate and appraisal form, resolution to borrow.
  • Current Valuation Report from bank’s authorized valuers is required for used motor vehicles
  • Complete security perfection after the approval.
  • Detailed call report including photos and sketch maps


  • 12 months bank statement with Maximum EMI(Equated Monthly instalment) of 30% of MACAT(monthly Average Credit Account Turnovers)
  • Provide documentary evidence of at least three year experience in the line of business
  • For limited companies Specific debenture over the asset being purchased


12
Favourite Biashara Plus
Cooperative Bank of Kenya
A credit facility for small and micro-enterprise owners.
KES 2,000,000
  • Have a business not less than a year old
  • Business should have regular cash flow
  • Business license of the current year where applicable
  • Open an account with Co-operative Bank
  • Statements of accounts from other banks if your Co-op Bank account is less than 6 months old
24
SPIRE BANK LIMITED

It is issued to guarantee that the bidder will undertake the contract under the terms at which they bid in the event they win the tender

  • Must have undertaken a similar contract.
  • The Tender must be in line with the Customer's business
  • Guarantee application Form
  • Pin, ID copies for the applicant ( Where client is not banked )
  • Certificate of Incorporation (Where client is not banked )
  • Contract/Tender documents
  • Format of Guarantee (where applicable).
12
Branch

Digital loans directly to the borrowers mobile money account.

KES 70,000
  • The loan process is designed to allow the borrower to build credit with Branch and unlock larger loan amounts.
12
Rafiki Microfinance Bank

To provide small and micro business owners with working capital.

KES 300,000

.Clean CRB report.

.Borrower must Bank at Rafiki for at least 6 months if previously unbanked or 3 months if banking in another institution.

. Borrower to have previous borrowing history if banking in another institution.

. Dully filled application form.

.National ID and PIN of borrower or all Directors if it’s a company borrowing. (Originals and copies).

. Certified 6 months bank statements.

.Certificate of registration for business/Certificate of incorporation for companies.(original and copy)

.Memorandum and articles of association. (original and copy)

. CRB report

.Audited financial statements or management accounts for Companies

. Borrower’s business records.

. Sketch map of the residence and business premises of the borrower

. Utility bills

12
HF Group Limited

A term loan is a flexible financing option offered by HFC that can be tailored to your specific business needs for a period less than 60 months (5 years). It can be a short term loan or a long term loan.

Must have been in business operations for at least 3 years


  • Application form duly completed                     
  • Board of Directors resolution to open accounts                   
  • Certificate of incorporation/Registration    
  • Company PIN & VAT          
  • ID & PIN copies of all directors
  • Copy of Annual Returns/CR 12
  • Utility Bill                    
  • Proposal for borrowing indicating amount being borrowed, Purpose, type of facility required, proposed repayment period and any other relevant information  
  • Audited accounts for the last three years
  • Current management accounts
  • Cash flow projections for the next five years


60
Gulf African Bank

Facility to facilitate construction of residential or commercial properties

Duly registered business

+ 6 months in operations

Hold an active account with GAB

Business registration certificate

Certified/original bank statements for the last 2 years

Copy of ID/Passport

Certificate of the official title search

Copy of title of the property


120
Favourite Challenge Funds
Visit Website Visit Website Location Off Muthangari Drive / Waiyaki Way CALL +254 703 033 394 MAIL P.O. Box 1996 Westlands 00606 info@aecfafrica.org, Kenya Get a call back
Agriculture Enterprise Challenge Fund
Unlocking private financing in Agricultural lending
KES 165,000,000
  • Innovative ideas that stimulate and/or enrich/contribute to next generation approaches in growing Africa’s Agriculture
  • Models that seek to scale new, in-demand publicly-bred varieties of food crops (climate-smart and nutrition focus will be considered an advantage.
  • Crops must go beyond hybrid maize.
  • Ability to leverage partnerships that increase the availability of other key inputs necessary for maximizing the benefits of improved seed varieties including farmers’ access to appropriate finance, extension services, technologies and output markets.
36
Favourite Clean Energy Loans
Juhudi Kilimo
Targets customers seeking financing for eco-friendly products, such as bio gas plant, modern cooking stoves, LPG, digital TVs, solar batteries, solar lamps, solar panels, solar TVs, solar water pumps and water purifiers that use energy generated from natural resources which are renewable (naturally replenished).
60
Favourite Commercial Agriculture Loan
This loan targets medium and large-scale farmers dealing in any aspect of farming, from large-scale agricultural based foundations to medium and large-scale agricultural traders and processors. To finance bulk purchase of farm inputs (seeds, fertilizer, and chemicals), lease payment, purchase agricultural land, borehole sinking, livestock purchase, biogas plant construction, and farm houses.
  • 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.
60
Favourite Commodities Fund -Coffee Loans -Bulk Acquisition of Farm Inputs (BAFI)
Government Development Finance Initiative
Medium term loan targeting Cooperative societies to improve quality and quantity of coffee produced through organized and purchase of inputs in bulk at 5% reducing balance interest rate
36
Favourite Commodities Fund -Coffee Loans -Cherry Advance (CHADV)
Government Development Finance Initiative
Short term loan to finance picking of cherry (Labour), Processing of cherry, Transport of cherry at a 5% reducing balance interest rate
60
Favourite Commodities Fund -Coffee Loans -Coffee Advances (ADV)
Government Development Finance Initiative
Short term loan to finance primary production/ processing of crops at 10% reducing balance interest rate
12
Favourite Commodities Fund -Coffee Loans -Coffee Establishment Loan (CEL)
Government Development Finance Initiative
Long term loan for producers who want to establish new crops or change season, as well as increase acreage at 10% reducing balance rate
60
Favourite Commodities Fund -Coffee Loans -Coffee Machinery and Equipment Loan (CMEL)
Government Development Finance Initiative
Long term loan to facilitate borrowers to acquire machinery and equipment at 10% reducing balance rate
60
Favourite Commodities Fund -Coffee Loans -Extended Advance (EXADV)
Government Development Finance Initiative
Medium term loan to finance producers in need of rehabilitating their crop by purchasing farm inputs, financing farm operations such as labour and transport at 10% reducing balance interest rate
36
Favourite Commodities Fund -Coffee Loans -Infrastructure Loans
Government Development Finance Initiative
Long term loan facility meant to assist producers undertake critical construction works at 10% reducing balance rate
60

Financing facilities

The Financing Gateway provides you with a free listing of the many financing instruments available for MSMEs. It enables you to filter the instruments that match your needs and click through to the –financing provider’s Internet pages or Contact agent details to find out more and apply.

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