• 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.

Capital Expenditure/ Operating Expense

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

Grow a portfolio of strategically-aligned tech-enabled start-ups for deeper commercial partnership and/or acquisition by Safaricom whilst Transforming Lives.
he fund will be made available to tech-enabled start-ups as an enabler in the verticals; Agriculture; Education; Healthcare;

• 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

Extends financing to smallholder farmers' organizations.

• 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.

Alterfin extends funding to microfinance institutions and to associations of smallholder farmers or companies.

• 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.

The DTB Mortgage facility can be used for:

• Purchase of new / existing residential houses.
• Renovations, repairs or extensions of existing unencumbered property.
• The takeover of existing housing loans from other financial institutions.

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• 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

SDFDS

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• Bank statements for a period of 6 months

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