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)
Provides accessible and efficient trade finance loans up to 70% of the value of export contracts that enables agricultural exporters to pay their farmers upon delivery of their produce.
330 000 000 KES
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)
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.
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
The ABC Fund is a blended-finance impact fund which provides catalytic financing to underserved yet profitable segments of agribusiness value chains in developing countries. The Fund is managed by Bamboo Capital Partners together with Injaro Investments as advisor and lead for direct lending in Africa. Agriterra manages the Technical Assistance Facility. The ABC Fund was initiated by the International Fund for Agricultural Development in partnership and with funding from the European Union, the African, Caribbean and Pacific Group of States, the Luxembourg Government and the Alliance for a Green Revolution in Africa.
100 KES Billion
Funding to legally registered SME, cooperatives or farmers’ organizations
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.
2 000 000 KES
Past crop production records
Projected cash flow
Suitable security requirements
Must have been in production for at least two crop cycles
Industrial & Commercial Development Corporation (ICDC)
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%
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
A short term credit facility to finance production inputs and associated costs to medium and large scale Seed Grower Farmers.
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.
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)
SME Bizna loan is designed with the needs of small business people in mind to supply them with a short-term financing facility for working capital needs
3 000 000 KES
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
We focus on financing for agricultural businesses, cooperatives and related enterprises
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.
Industrial & Commercial Development Corporation (ICDC)
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%
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
An agriculture product tailored to supply finances to farmers who are facing collateral constraints; able to accommodate a number of agricultural activities involving cereals like wheat, rice, maize, sorghum, millet, barley, beans, coffee etc. The loan is meant to help farmers meet their post-harvest credit needs; Purchase seed and farm implements, land preparation and land leasing; The loan is available to all business persons involved in transportation and distribution of goods, specialized services like construction, sinking bore holes, car hire, farmers etc.
5 000 000 KES
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
La passerelle de financement vous fournit une liste gratuite des nombreux instruments de financement disponibles pour les MSME. Il vous permet de filtrer les instruments qui correspondent à vos besoins et de cliquer sur les pages Internet du fournisseur de financement ou les coordonnées de l'agent de contact pour en savoir plus et postuler.
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