• 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.

• 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.

• 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

• 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

• 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

• Open to individual borrowers and groups
• Viability of the business
• Tangible security for the loan
• 20 % equity contribution towards the project.

• Tangible security for the loan
• Appropriate and approved crop varieties
• Availability of processing facilities within reasonable distances.

• Relevant experience in floriculture & horticulture
• Compliance with regulatory requirements
• Adequate water supply

• 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

• 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