Please ensure Javascript is enabled for purposes of website accessibility

Financing Options and Providers

Total results: 175

Seed Production Loan
A short term credit facility to finance production inputs and associated costs to medium and large scale Seed Grower Farmers.
▲▼Business Eligibility
  • 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.
▲▼Minimum Documentation Required
  • 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.
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
12
Supply Chain Financing
A solution to MSME Anchor customer to pay the suppliers upon delivery and submission of invoices.
▲▼Business Eligibility
  • For limits up to 2M –Chattels i.e. Motor vehicle discounted at 150%
  • Cash and Land for exposures above 2M
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
12
Crop Farming Loans
Financing purchase of farm inputs such as seeds, fertilizer and agro-chemicals in order to increase agricultural yields.
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Farm Equipment Loans
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.
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Clean Energy Loans
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).
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Kilimo Bora Loans -Agro-dealer financing
Financing agro-dealers involved in agricultural value-chains, such as agro-vets, farm produce marketers, traders and processors.
▲▼Business Eligibility
  • Have an existing agriculture input or output trade or service business.
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
Micro Leasing
Finance asset acquisition
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Green House Financing

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

▲▼Business Eligibility

▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Agriculture Finance Corporation -Cash Crop
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.
▲▼Business Eligibility
  • Tangible security for the loan
  • Appropriate and approved crop varieties
  • Availability of processing facilities within reasonable distances.
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
The Kenya Planters Cooperative Union (KPCU) -Cherry advance levy fund
The cherry advance levy fund will finance farmers’ working capital as they wait for their earnings from coffee marketers.
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
IDH Farmfit Fund
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.
▲▼Business Eligibility
  • Attributable benefit to smallholder farmers
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
10
Accion Global Investments
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.
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Strategic Partnership
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%
▲▼Business Eligibility
▲▼Minimum Documentation Required
  • 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
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Growth fund
Start-ups in regular positive cash flow
▲▼Business Eligibility
Stringent Due diligence
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Mavuno Tea Loan
Access seasonal loans of up to 70% financing on your total tea delivery for farm inputs, working capital and farm development.
▲▼Business Eligibility
  • Banking relationship with KCB for at least 3 months
  • Tea factory membership registration details
▲▼Minimum Documentation Required
  • KCB Bank account statement
  • Tea factory membership documentation
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Asset Financing Loan
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.
▲▼Business Eligibility
  • At least 10% co-investment
  • 2 guarantors
  • Collaterals
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Agribusiness Loans
Financing farmers to acquire high breed livestock, as well as farming in horticulture, banana, fruits, oil seeds and floriculture.
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Agriculture Finance Corporation -Agribusiness
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.
▲▼Business Eligibility
  • Open to individual borrowers and groups
  • Viability of the business
  • Tangible security for the loan
  • 20 % equity contribution towards the project.
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Commodities Fund -Coffee Loans -Coffee Advances (ADV)
Short term loan to finance primary production/ processing of crops at 10% reducing balance interest rate
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
12
Commodities Fund -Coffee Loans -Extended Advance (EXADV)
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
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Commodities Fund -Coffee Loans -Coffee Machinery and Equipment Loan (CMEL)
Long term loan to facilitate borrowers to acquire machinery and equipment at 10% reducing balance rate
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Responsability
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
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
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Digifarm
Farmers access loan facilities on the platform to purchase inputs such as feeds, seeds and fertilizers from the farm depot.
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
12
Joint Venture
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%
▲▼Business Eligibility
▲▼Minimum Documentation Required
  • 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
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
Cultural heritage seed fund
Start-ups in regular positive cash flow Other
▲▼Business Eligibility
Cultural aspects & due diligence
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
6
Kilimo Biashara
Working capital to purchase stock and/or farm inputs e.g. certified seed, fertilizer and chemical applications
▲▼Business Eligibility
  • 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
▲▼Minimum Documentation Required
  • Training certificate from AAK, AGMARK or other Ministry of Agriculture approved program
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Asset Finance
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.
▲▼Business Eligibility
• 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
▲▼Minimum Documentation Required
• 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
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
48
Farm Development Loan
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.
▲▼Business Eligibility
  • Past crop production records
  • Projected cash flow
  • Suitable security requirements
  • Must have been in production for at least two crop cycles
▲▼Minimum Documentation Required
  • Past crop production records
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
12
Kilimo Bora Loans -Green house farmers kit
Financing farmers to acquire greenhouses and irrigation kits
▲▼Business Eligibility
  • Experience in crop farming
  • Have sufficient supply and storage of water.
  • Willing to perform soil testing before loan approval.
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Youth Enterprise Development Fund -Business Expansion Loan (Vuka)
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)
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
12
Youth Enterprise Development Fund -Agri-Vijana Loan
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
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
12
AgDevCo
AgDevCo raises debt and equity for commercial investment while also providing technical assistance.
▲▼Business Eligibility
  • 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.
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
The Rural Fund
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.
▲▼Business Eligibility
  • 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
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
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
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Quasi Equity
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%
▲▼Business Eligibility
▲▼Minimum Documentation Required
  • 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
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Grassroots Business Fund
Finance Agribusiness SMEs in Kenya, Tanzania and Uganda
▲▼Business Eligibility
  • 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
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Women in Business loans
Women-led businesses
▲▼Business Eligibility
  • Women-led or owned businesses
▲▼Minimum Documentation Required
  • If not an existing client of EcoBank then full Due diligence with busines plans, references, etc
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
12
Asset Finance

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


▲▼Business Eligibility


  • Registration bsiness
  • Business permit


▲▼Minimum Documentation Required
  • 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


▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Majani Plus
Acquire farm inputs and equipment, livestock feeds, labour costs, school fees
▲▼Business Eligibility
  • Applicant must have delivered tea to either KTDA or other listed private tea factories
▲▼Minimum Documentation Required
  • 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)
▲▼Others
Some field
Some value
Field 2
Value 2
▲▼Max
▲▼Collection / Repayment (months)
36
Horticulture Loan
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.
▲▼Business Eligibility
•Past crop production records •Projected cash flow •Suitable security requirements •Must have been in production for at least two crop cycles
▲▼Minimum Documentation Required
•Past crop production records
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
12
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.
▲▼Business Eligibility
  • 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.
▲▼Minimum Documentation Required
  • 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.
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Kilimo Biashara Loan -Agribusiness
Finance working capital and operational needs of value chain players in the business of manufacturing, stocking, importing, exporting and selling agricultural inputs and equipment.
▲▼Business Eligibility
  • 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).
▲▼Minimum Documentation Required
  • 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).
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Kilimo Bora Loans -Input financing
Financing farmers to acquire quality farm inputs such as seeds, fertilizers and agro chemicals.
▲▼Business Eligibility
  • Be a practicing agribusiness farmer with other sources of income.
  • Available to both group and individual clients.
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
12
Mazao Factor
Advance payout to farmers for upto 80% of the value of the produce delivered to a bulker, producer co-operative, exporter or processor.
▲▼Business Eligibility
  • 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
▲▼Minimum Documentation Required
  • Advance payment request
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Agribusiness/Agro dealer loans
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.
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
60
Mazao Loan
This is an agribusiness product which aims at supporting farming as a business.
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Commodities Fund -Coffee Loans -Bulk Acquisition of Farm Inputs (BAFI)
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
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
36
Commodities Fund -Coffee Loans -Value addition Loan (VA)
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
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
24
Commodities Fund -Coffee Loans -Infrastructure Loans
Long term loan facility meant to assist producers undertake critical construction works at 10% reducing balance rate
▲▼Business Eligibility
▲▼Minimum Documentation Required
▲▼Others
▲▼Max
▲▼Collection / Repayment (months)
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.

Get in Touch