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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
Favourite Seed Production Loan
Equity Bank
A short term credit facility to finance production inputs and associated costs to medium and large scale Seed Grower 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.
12
Favourite Supply Chain Financing
Cooperative Bank of Kenya
A solution to MSME Anchor customer to pay the suppliers upon delivery and submission of invoices.
  • For limits up to 2M –Chattels i.e. Motor vehicle discounted at 150%
  • Cash and Land for exposures above 2M
12
Favourite Crop Farming Loans
Juhudi Kilimo
Financing purchase of farm inputs such as seeds, fertilizer and agro-chemicals in order to increase agricultural yields.
36
Favourite Farm Equipment Loans
Juhudi Kilimo
Finance acquisition of quality farm equipment such as farm and animal structures, generators, green house, irrigation equipment, motor bikes, motor vehicles, ploughing tools & equipment, tractors, water pumps and water tanks.
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 Kilimo Bora Loans -Agro-dealer financing
Visit Website Visit Website Location Nyayo Stadium, Nairobi, Kenya Get a call back
Kenya Women Microfinance Bank
Financing agro-dealers involved in agricultural value-chains, such as agro-vets, farm produce marketers, traders and processors.
  • Have an existing agriculture input or output trade or service business.
Favourite Micro Leasing
Century Microfinance Bank
Finance asset acquisition
36
Favourite Green House Financing
SMEP Microfinance Bank

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

60
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 The Kenya Planters Cooperative Union (KPCU) -Cherry advance levy fund
Government Development Finance Initiative
The cherry advance levy fund will finance farmers’ working capital as they wait for their earnings from coffee marketers.
Favourite IDH Farmfit Fund
IDH
A public-private impact fund for smallholder farmers. The Fund de-risks investments in smallholder farming and helps drive sustainable impact by showcasing the commercial opportunity represented by smallholder farming finance. The EUR 100 million IDH Farmfit Fund takes the responsibility for the first losses incurred supported by a second loss guarantee facility from USAID (up to USD 250 million) thus providing a significant element of reassurance for investors. Sectors covered include food, staple and cash crops including, cocoa, coffee, cotton, palm oil, tea, aquaculture, soy, cassava, rice and other commodities.
  • Attributable benefit to smallholder farmers
10
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 Strategic Partnership
Industrial & Commercial Development Corporation (ICDC)
The facility allows ICDC and one or more parties to participate for a specified period of time in expansion or restructuring of an existing enterprise by taking up shareholding. Maximum ICDC shareholding: 35%
  • 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
36
HEVA
Start-ups in regular positive cash flow
Stringent Due diligence
60
Favourite Mavuno Tea Loan
Kenya Commercial Bank
Access seasonal loans of up to 70% financing on your total tea delivery for farm inputs, working capital and farm development.
  • Banking relationship with KCB for at least 3 months
  • Tea factory membership registration details
  • KCB Bank account statement
  • Tea factory membership documentation
36
Favourite Asset Financing Loan
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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
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 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 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 -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 -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 Responsability
Visit Website Visit Website Location 8005 Zurich, Switzerland Get a call back
Responsability
60
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 Digifarm
Visit Website Visit Website Location P.O Box 66827, 00800 Nairobi, Kenya Get a call back
Safaricom
Farmers access loan facilities on the platform to purchase inputs such as feeds, seeds and fertilizers from the farm depot.
12
Favourite Joint Venture
Industrial & Commercial Development Corporation (ICDC)
This facility enables formation of partnerships between ICDC and one or more parties through creation of a new entity to undertake a specific economic activity for an agreed period of time. The Maximum ICDC shareholding is 35%
  • 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
HEVA
Start-ups in regular positive cash flow Other
Cultural aspects & due diligence
6
Favourite Kilimo Biashara
Family Bank
Working capital to purchase stock and/or farm inputs e.g. certified seed, fertilizer and chemical applications
  • 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
36
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
Favourite Farm Development Loan
Kenya Commercial Bank
An Agribusiness loan designed for crop farmers who do not have contracts with reputable off takers. The loan gives farmers flexibility of repayment cycles designed to correspond to the respective crop seasons.
  • 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
12
Favourite Kilimo Bora Loans -Green house farmers kit
Visit Website Visit Website Location Nyayo Stadium, Nairobi, Kenya Get a call back
Kenya Women Microfinance Bank
Financing farmers to acquire greenhouses and irrigation kits
  • Experience in crop farming
  • Have sufficient supply and storage of water.
  • Willing to perform soil testing before loan approval.
60
Favourite Youth Enterprise Development Fund -Business Expansion Loan (Vuka)
Government Development Finance Initiative
The loan is advanced to youth who have existing businesses and are able to provide security. The financing provides friendly large scale financing for business expansion to applicants (may be individual, partnerships or limited companies)
12
Favourite Youth Enterprise Development Fund -Agri-Vijana Loan
Government Development Finance Initiative
The Youth Enterprise Development Fund has partnered with Smart Solutions Africa (SSA) to support young farmers in acquiring green houses and global compliant agricultural inputs
12
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 The Rural Fund
Rabobank
Gives producer organisations and SMEs access to affordable financing which allows the organisations to better finance the purchase and processing of their products, which enables them to sell at better prices and under better conditions. Finances sustainable value chains in coffee, cocoa, honey, cotton, spices, nuts, peppers, soya and canned and dried vegetables. In addition we finance fixed assets, such as the extension of production lines.
  • 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
12
Farm Capital Africa Ltd
Channels Capital to profitable and sustainable ventures through Strategic Partnerships supported by Technology to meet the dire need for access to Agribusiness Financing by small scale Agripreneurs across Africa
60
Industrial & Commercial Development Corporation (ICDC)
The product enables ICDC to finance companies which have a strong growth potential and a demonstrated ability to earn solid profit margins but lack security to offer for a loan. The product therefore has both debt and equity features. Maximum ICDC shareholding: 35%
  • 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
36
Grassroots Business Fund
Finance Agribusiness SMEs in Kenya, Tanzania and Uganda
  • 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
60
EcoBank
Women-led businesses
  • Women-led or owned businesses
  • If not an existing client of EcoBank then full Due diligence with busines plans, references, etc
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
Family Bank
Acquire farm inputs and equipment, livestock feeds, labour costs, school fees
  • 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)
36
Favourite Horticulture Loan
Kenya Commercial Bank
An Agribusiness loan designed for crop farmers who do not have contracts with reputable off takers. The loan gives farmers flexibility of repayment cycles designed to correspond to the respective crop seasons.
•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
12
Favourite Commercial Agriculture Loan
Equity Bank
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 Kilimo Biashara Loan -Agribusiness
Equity Bank
Finance working capital and operational needs of value chain players in the business of manufacturing, stocking, importing, exporting and selling agricultural inputs and equipment.
  • 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).
36
Favourite Kilimo Bora Loans -Input financing
Visit Website Visit Website Location Nyayo Stadium, Nairobi, Kenya Get a call back
Kenya Women Microfinance Bank
Financing farmers to acquire quality farm inputs such as seeds, fertilizers and agro chemicals.
  • Be a practicing agribusiness farmer with other sources of income.
  • Available to both group and individual clients.
12
Century Microfinance Bank
Advance payout to farmers for upto 80% of the value of the produce delivered to a bulker, producer co-operative, exporter or processor.
  • 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
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
Jitegemea Credit Scheme
This is an agribusiness product which aims at supporting farming as a business.
36
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 -Value addition Loan (VA)
Government Development Finance Initiative
Medium term Agro–Processing Loan facility for borrowers who are engaged in processing or value addition to agricultural products through processing before selling at 10% reducing balance interest rate
24
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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