• 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

Financing for acquisition of Green house structures, inputs, irrigation kits, and agronomical support.

• Attributable benefit to smallholder farmers

• 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.

• For limits up to 2M –Chattels i.e. Motor vehicle discounted at 150%
• Cash and Land for exposures above 2M

• Have an existing agriculture input or output trade or service business.

• Tangible security for the loan
• Appropriate and approved crop varieties
• Availability of processing facilities within reasonable distances.

• Banking relationship with KCB for at least 3 months
• Tea factory membership registration details

• KCB Bank account statement
• Tea factory membership documentation

• 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

• At least 10% co-investment
• 2 guarantors
• Collaterals

• Open to individual borrowers and groups
• Viability of the business
• Tangible security for the loan
• 20 % equity contribution towards the project.

• 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

• Past crop production records
• Projected cash flow
• Suitable security requirements
• Must have been in production for at least two crop cycles

• Past crop production records

• 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.

• Finances the missing middle - organisations that are not eligible for financing by microfinancing organisations or commercial banks.
• The focus lies on the financing of farmer producers cooperatives

• 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

• GBF prefers “growth stage” companies with a strong track record.
• GBF seeks companies that can protect their market position through high barriers to entry, first-mover advantage, high-quality differentiated products, etc.
• Competent Management Team

• Women-led or owned businesses

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

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

• Experience in crop farming
• Have sufficient supply and storage of water.
• Willing to perform soil testing before loan approval.

• 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)

• 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.

• 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).

• Be a practicing agribusiness farmer with other sources of income.
• Available to both group and individual clients.

• The buyer commits to release the payment to the farmer after 30 – 45 days through Century Microfinance Bank.
• Buyer and farmer operate accounts with Century Microfinance Bank

• Advance payment request

• 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.