• 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

• Funding to legally registered SME, cooperatives or farmers’ organizations

Oiko seeks partners that:

• Create jobs and income for disadvantaged groups
• Are cooperatives, financial institutions or small to medium enterprises
• Have women in influential positions such as in management
• Are environmentally sustainable and respect animal welfare
• Have suitable management in place and are (or can soon become) financially sustainable
• Have a clear need for foreign investment

• Profitability or a clear quantifiable path towards profitability
• Proof of concept around the business model
• Annual revenue generation of more than EUR 500,000 • Social and environmental mission embedded throughout the organisation
• Experienced entrepreneur with proven ability to execute
• Complete or plan for completing management team
• Basic organisation structure and governance in place

Online application for Sustainable Food & Agriculture Financing

• 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.

• Agribusiness and Agro-processing.
• Light Manufacturing - Food processing and value-addition.
• Renewable Energy in particular productive uses of solar, wind, geothermal, hydropower and any other economically competitive energy sources.
• ICT use -innovative mobile-based applications, software development and customization.

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

• Kenyan presence
• A Core diverse skilled team
• Refined Working mobile based product/service
• Commercially viable business model
• Active user base
• Generating revenues
• Partnership with Safaricom signed or being discussed
• Raising equity or quasi equity

Application process:

The Fund Manager is S&B Ventures, based in Kenya, who will source deals, perform due diligence and recommend the investments.

• 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.

• You need to have an active Equity Bank account or active Equitel line for a minimum period of 6 months.

• 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

• 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

• A duly filled loan application form.
• Feasibility study/ business plan
• Memorandum and Articles of association.
• Project cost estimates
• Financing plan
• Audited accounts for 3 years for the existing business or related business.
• Bank statements for 3- 6months
• Collateral

• A duly filled loan application form
• Feasibility study/Business plan
• 6 Months Certified Bank Statements
• Latest Management Accounts
• Past 3 years Audited Accounts
• Copies of certificate of incorporation
• Memorandum & Articles of Assosiation
• Coies of proforma invoices for the asset being purchased
• Collateral

• 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

• Entrepreneur Profile: The entrepreneur should have significant own investment in the business, have the ability to manage a business – from operations, sales, financial management, administration, and leadership. They must be willing to work with GroFin as a value adding financier and share management information regularly. They must have growth ambition and demonstrate integrity as well as professionalism in their dealings.
• Collateral requirements: Though GroFin has no minimum requirement, they expect entrepreneurs to (partly) secure the loan if collateral is available. Quality and value of collateral does play an important part in the overall risk assessment. Personal guarantees of the entrepreneur(s) is required.
• Social Impact: The business must be able to have a measurable impact in terms of the number of jobs supported and sustained, female ownership, female employment and semi-/unskilled labour. SMEs that provide indirect job opportunities (e.g. training, skills development) and/or environmental services (water, waste, energy, ecotourism) are also attractive to GroFin.
• Business support: GroFin delivers business support to clients prior to the investment and during the tenor of the loan – focusing on improving business viability, sustainability and growth through identifying material business risks/opportunities across a range of generic areas as identified during the screening/due diligence stage. For this reason, entrepreneurs need to be receptive to receiving advice and implementing recommendations, normally around improving formalisation of their business.

• 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

• 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.

• Bank statements for the last twelve months.
• Must open / maintain account(s) with DTB.

• Copy of duty executed sale agreement duly signed dated and stamped.
• Valuation report from an authorized valuer.
• Letter of the offer between seller & buyer.
• Certified copy of title deed

SDFSDF

SDFSD

The business must have been in operation for at least 3 years.

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

• Have innovative approaches to tackling pressing social challenges including environment and sustainability, employment, and economic wellbeing.
• Flexibility about type of organization.

• An existing customer for 3 months
• The business to be older than three years

• Audited financials for the last three years
• Cash flow projections for the next 12 months
• Latest management accounts
• Ageing debtors and creditors list
• Certificate of registration
• Memorandum and articles of association or CR1, 2, and 8
• Last annual returns
• CR12
• Copy of ID's or passport for the directors
• KRA pin for the company and directors
• Company profile/brief

·        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

• It should be either be a manufacturing business or a service business.
• It should be either be a manufacturing business or a service business.
• It should employ at least 5 people • It should be running for at least 2 years to qualify as a working capital loan.

• The applicant will be required to provide the following documents
• Photographs and sketch-map of business location
• Landed security to cover a minimum of 140% value of the loan requested.
• Valuation report from a registered land valuer. This will be verified by KIE officers.
• An original certificate of Official Search from land registry
• Two credible guarantors
• Current trading license
• Current bank statements
• Copy of PIN certificate of applicant and guarantors

• 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"

• Applicant must have operated account satisfactorily with CBL for a minimum period of 6 months channelling their cash flow through the account 
• Applicant must have operated account with CBL satisfactorily for at least 2 months and have a record of satisfactory account record with another bank over a minimum period of 6 months.
• Applicant must have no existing non-performing account as demonstrated in their credit bureau report, accounts statements and records with CBL.

• Completed loan application form with required documents attached.
• Copies of last 12 months bank statements from banks other than CBL.
• Must have an account with CBL for at least 2 months.
• KYC Documents : National ID, KRA Pin, Certificates of Business Registration etc.

– 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

– Business license of the current year where applicable

– Provide certified bank statements from other banks if your Co-op Bank account is less than 6 months old

– Acceptable security will include but is not limited to chattels mortgage over the household, business assets, land, NSE se

– Copy of KRA PIN

• Account holders for a period of 6 months
• Business must have operated for a period over 1 year

• Business Registration/Incorporation Documents
• Copy of KRA PIN Certificate

• 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

• Applicant must have operated account satisfactorily with CBL for a minimum period of 6 months channelling their cash flow through the account.
• Applicant must have operated account with CBL satisfactorily for at least 2 months and have a record of satisfactory account record with another bank over a minimum period of 6 months.
• Applicant must have no existing non-performing account as demonstrated in their credit bureau report, accounts statements and records with CBL.
• Minimum 3 years business experience 

•  Completed loan application form with required documents  attached.
•  Copies of last 6-12 months bank statements.
•  Must have a transactional account with CBL for at least 2 months.
•  KYC Documents : National ID, KRA Pin, Certificates of Business Registration etc.
•  Geo tagging of residence/business premises.

N.B - New clients to bank for at least 6months to access unsecured loan.

• Reputable Kenyan SACCO/Co-operative Union/Women owned institution legally registered in Kenya.
• Evidence of certificate of incorporation/registration. • Valid KRA tax compliance certificate.
• Valid Trading license.
• Copies of National IDs and PIN Certificates for all directors/officials.
• Resolution to borrow in case of a Limited Company capturing amount, purpose, and proposed security (Must be sealed).
• CR12 in case of a Limited Company.
• Articles and Memorandum of Association.
• Contact details i.e. postal, physical and email address of the SACCO/Co-operative Union/institution's headquarter and name of contact person for purpose of seeking clarification.
• Have a minimum of three years’ experience in SACCO lending operations.
• Have women- friendly products, offering financial services to urban and/or rural women enterprises (provide list of products & services offered).
• Must have an appropriate governance and management structure.
• Their branches geographical coverage/geographical representation by counties and constituencies.
• Must submit certified copies of audited accounts for at least, the last three (3) years.
• Provide a summary of their loan book portfolio.
• Must have a robust automated system for their loan book management.
• Must demonstrate ability to pledge marketable collateral securities: bank guarantees, fixed deposits and shares listed in the stock exchange.
• Have Competent Management & Personnel; Management MUST be gender responsive. The CVs of members of the management must be attached.
• Have sufficient and experienced credit staff; profile and qualification must be availed.
• Statement of litigation history.
• Clean Credit Reference Bureau (CRB) reports of directors/officials of the SACCO.
• License from SACCO Society Regulatory Authority (SASRA), where applicable.
• Borrowing Powers as approved by the Commissioner of Co-operatives, where applicable.

• SACCO/Co-operative Union/Women owned institution Registration certificate
• Valid KRA tax compliance certificate.
• Valid Trading license.
• Copies of National IDs and PIN Certificates for all directors/officials.
• Resolution to borrow in case of a Limited Company capturing amount, purpose, and proposed security (Must be sealed).
• CR12 in case of a Limited Company.
• Articles and Memorandum of Association.
• Must submit certified copies of audited accounts for at least, the last three (3) years.
• Provide a summary of their loan book portfolio.
• Statement of litigation history.
• Clean Credit Reference Bureau (CRB) reports of directors/officials of the SACCO.
• License from SACCO Society Regulatory Authority (SASRA), where applicable.
• Borrowing Powers as approved by the Commissioner of Co-operatives, where applicable.

• Stock Insurance Cover – Stock insurance facility for stocked commodities
• Warehouse receipt from the cereals board (Original)
• A duly signed verification form indicating authenticity of the warehouse receipt (signed and stamped by an authorized officer of the concerned cereals board)
• Signing of the verification form should be witnessed by a commissioner for oath

• Existence of On-going cereals farming activity for at least three seasons
• Two previous consecutive warehouse receipts
• 6 months Certified bank statement
• ID and PIN copies
• 2 passport size photos (colour)
• Lease agreement of the land if leased or copy of the title deed if owned
• Evidence of other income generating activity

• Based on your level of business and security that you provide

• Any business that engages in credit transactions. As long as there is a delivery note to show that goods were delivered and an invoice which would have to be presented to Momentum Credit for factoring.

• Copy of certificate of incorporation
• Copy of CR12
• Copy of Company PIN
• Copy of Tax Compliance Certificate
• Company Profile
• Copy of Director’s PIN
• Copy of Director’s National ID
• Audited Accounts (for the past 3 years)
• Bank Account Statements (for the past 12 months)
• Current Debtor Ageing Report (for the client company)
• Current Creditors Report (for the client company)
• Current Creditor Ageing report (for each proposed factoring customer)
• 3 sample invoices (for each proposed customer in the past 12 months)
• Company Organogram

• National identity card / passport / KRA PIN certificate of borrowers - original and copy
• Copy of LOF and account status in respect of loans / other facilities from other banks if any
• Certified copy of memorandum and articles of association
• Certified copy of the resolution authorising borrowing from DTB
• Audited accounts for the last three years together with a copy of the latest management account
• Schedule of debtors and creditors as per the latest management accounts – age-wise
• Financial projections and plans for the business i.e. cash flow month by month for the next twelve months
• Valuation report(s), if available and copy of the document evidencing ownership of the asset offered as security
• Copies of bank account statements for the last twelve months
• Organization chart and employees’ statistics CVs of the promoters and top management on the lines of format
• Company profile
• Present marketing set-up and strategies adopted/introduced to increase the sales volume
• Sales target for the current year with projected profit & loss and balance sheet
• List of major customers and suppliers
• Volume of orders and enquiries on hand, as on date
• Request should contain the need and purpose of the loan with a justification on economic return
• Details of assets to acquire and cost

• 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

• Farmers with at least 2 years in the financed agricultural activity.
• For Tea and Dairy farmers; produce deliveries must be to marketers with MOU with the bank.
• Evidenced repayment ability

• Bank statements
• Lien over tea/milk deliveries

• Applicant must have operated account satisfactorily with CBL for a minimum period of 6 months channelling their cash flow through the account.
• Applicant must have operated account with CBL satisfactorily for at least 2 months and have a record of satisfactory account record with another bank over a minimum period of 6 months.
• Applicant must have no existing non-performing account as demonstrated in their credit bureau report, accounts statements and records with CBL.

• Completed loan application form with required documents attached.
• Copies of last 6-12 months bank statements from banks other than CBL.
• Must have a transactional account with CBL for at least 2 months.
• KYC Documents : National ID, KRA Pin, Certificates of Business Registration etc.

• Business must be in operation at least for 1 year

• Kenyan Citizen
• Age 18+ years

• Duly constructed business financial statements for at least 12 months
• Certified 12 month bank statements
• Business Licences
• Minimum of 3 years trading history within local markets to support loan amounts

• Unsecured KES 20,000 to KES 100,000
• Easy collateral KES 100,000 to KES 1,000,000
• Standard collateral > KES 1,000,000

• 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 – KES101

• 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

• Demonstrate your ability to repay the loan
• Demonstrate that you have a minimum of two (2) years in business
• Credit Life Insurance against death & permanent disability

• Demonstrate your ability to repay the loan
• Demonstrate that you have a minimum of two (2) years in business
• Credit Life Insurance against death & permanent disability
• KRA Pin
• Business Permits

• 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

Duly registered business

Mantaining active account at Gulf African Bank

+ 6 months in operations

Bank/Mpesa statement for the last 12 Months

• 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

• 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

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