• Unsecured up to KES 50,000
• Easy collateral up to KES 300,000
• Standard collateral > KES 300,000

• Certificate of registration
• National identification card (for Kenyan citizens) / Passport (Non Kenyans) 1 passport size photo
• KRA PIN
• 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

• Detailed Analysis of the agricultural project including expected revenues and all the cost items e.g. seeds, animal purchases, herbicides, pesticides, harvesting and labour.
• A comparative analysis of the neighbourhood to establish the kind of farming carried out, expected harvest and suitability of the farming activity the customer is carrying out
• 12 months bank statement
• Documentary evidence of farm ownership or a valid lease agreement covering at least one future production cycles
• Documentary evidence of the last three year experience in the line of business
• Good credit history
• For limited companies Specific debenture over the asset being purchased

• KYC documents i.e. directors ID and PIN, Company PIN, MEMART and Certificate of registration
• Business records
• Copy of security
• Land ownership/lease agreements documents
• 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

• 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

• 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

Showcase ability to service loan

• 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

• Kenyan Citizen
• Age 18+ years

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

KRA Certificate

• Minimum own contribution of up to 20% for new vehicles and 50% for land
• Individuals qualify based on ability to service the loan.

• Filled in U&I Loan application form
• Copy of national ID card
• U&I Bank statements
• Passport photo
• KRA pin copy
• Profoma Invoice from the seller
• Valuation report from a valuer

• 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.

• 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