SDFSDF

SDFSD

• Due diligence and IP ownership

• 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

• Women-led or owned businesses

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

• Must be a registered self-help group of 10 members and above comprising 100% women or 70 % women and 30% men
• All leadership positions and account signatories must be held by women.
• Group Registration done either at the nearest Social Services office or Huduma Centre.
• Groups are eligible for WEF loans three months after registration.
• Group must have an account in a Bank/SACCO FOSA/Post Bank/Deposit Taking Micro-finance (DTM)
• Group account must have been in existence for at least 3 months.
• Groups must be trained in business management skills by the WEF officers as a prerequisite for the loan application.

• Group registration certificate
• Group account in a Bank/SACCO FOSA/Post Bank/Deposit Taking Micro-finance (DTM)

• 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.

• 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

• 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"

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

• 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

Duly registered company

+6 months in operations

Active Gulf African Bank account holder

12 months certified bank statements

Business license/ permits for two years

Premises with lease running for the tenure of the facility

Copy of personal PIN Certificate

Company PIN

Certificate of Incorporation

Latest tax returns and filing receipts

• 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.

• 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

• 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

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

Client must have operated a business account with UBA Bank for at least one month

Copies of ID and kra pin of the directors, company KYC, Bank statements for the last 12 months(certified), copies of contracts or LPOs and if client does not have prior banking experience, they will have to bank with us for at least 3 months in order for us to review their application.

Duly registered business

Mantaining active account at Gulf African Bank

+ 6 months in operations

12 months certified bank statements

Board resolution

Copies of directors ID/PP and PIN

Directors joint and several guarantees

Board resolution

Letter of set-off

Cash margin mandate

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

• 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 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

• Atleast 3 years transactions records

• Valid business registration and permit documents
• Banking relationship with KCB for a minimum of 6 months
• Valid LPO from the government, ministry or parastatal, a reputable company, listed NGOs or KCB’s
• List of Corporate companies
• Proforma invoice or quotation of items of purchase from the supplier
• Proposed collateral for borrowings above Kes 1,000,000
• Valuation report where applicable
• Audited accounts for amounts above Kes 5 Million
• List of completed past contracts
• Debtor/creditor payables and receivables

• 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.

• 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

• 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.

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

• 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

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

• 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

• 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

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 

• 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.

• 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

• Business Profile Audited accounts for the last three years
• Certified bank statements for the last 6 months.
• Business registration certificate

• A note giving brief history of business and nature of business (Business Profile)
• Audited accounts for the last three years
• Certified bank statements for the last 6 months.
• Business registration certificate
• Copy of ID (Passport) and PIN certificate of applicant.

• 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

KYC Documents

Sales agreement where applicable

Copy of title or lease of the property

6 months Bank statements if not banking with NCBA

• Contract/Tender documents.
• Must have had a similar Contract
• The contract amount
• The Contract must be in line with his Business.

• Guarantee application Form
• Pin, ID copies for the applicant ( Where client is not banked )
• Certificate of Incorporate (Where client is not banked )
• Contract/Tender documents
• Format of Guarantee (where applicable)
• Collateral.

• 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

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

• 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