• 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

• 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

• 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.

GAB Account for servicing mortgage

Duly registered company

> 6 months in operations

Business people - Sale agreement or offer letter,  Board resolution authorizing transaction, Certified copy of Memorandum & Articles of Association 

Self Employed - Business registration certificate, Certified/original bank statements for the last 1 year, Copy of title of the property

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

Duly registered business

Mantaining active account at Gulf African Bank

+ 6 months in operations

Letter of undertaking from Safaricom to channel residual income to GAB

Letter indicating the segment the client has been placed by Safaricom

Six months bank statement where the residual income is channeled 

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

• 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

• 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

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

• 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

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

• 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.

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

·        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

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

• 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.

• 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

• 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

• 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.

• 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

• 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.

• Minimum own contribution of 20% of total cost

• Relevant experience in floriculture & horticulture
• Compliance with regulatory requirements
• Adequate water supply

• Operations in Sub-Saharan Africa
• Focus on Impact and Sustainable Development Goals (SDGs)
• Early stage companies with proof of concept
• Scalability and profitability potential
• Environmental and social impact

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

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

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

• 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

Duly registered business

Mantaining active account at Gulf African Bank

+ 6 months in operations

Bank/Mpesa statement for the last 12 Months