Options et fournisseurs de financement
Total results: 175
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- 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.
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- 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.
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- 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
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- 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
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- 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
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- Open to individual borrowers and groups
- Viability of the business
- Tangible security for the loan
- 20 % equity contribution towards the project.
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- Tangible security for the loan
- Appropriate and approved crop varieties
- Availability of processing facilities within reasonable distances.
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- Relevant experience in floriculture & horticulture
- Compliance with regulatory requirements
- Adequate water supply
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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
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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
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• 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
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Financing facilities
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.