• 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

• Women-led or owned businesses

• If not an existing client of EcoBank then full Due diligence with busines plans, references, etc

• Secured loans
• Unsecured loans

• 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 registration
• National identification card (for Kenyan citizens) / Passport (Non Kenyans) 1 passport size photo
• KRA PIN
• 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
• Personal return
• Revenue stamp – KES100

• Secured loans
• Unsecured loans

• 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)
• Revenue stamp – KES100"

• 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.

Pre-shipment and post shipment financing

• 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)
• Revenue stamp – KES100

• 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

• Funding to legally registered SME, cooperatives or farmers’ organizations

• For limits up to 2M –Chattels i.e. Motor vehicle discounted at 150%
• Cash and Land for exposures above 2M

• 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 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 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.

• LPO Financing
• Building Stock
• Payment to creditors
• Business cash flow needs
• Production Loan
• Export Packing Credit Loans

• Unsecured KES 20,000 to KES 100,000
• Easy collateral KES 100,000 to KES 1,000,000
• Standard collateral > KES 1,000,000

• 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)
• Revenue stamp – KES101

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

• 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

• 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.

• 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 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

• 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
• Evidence of other income generating activity

• Equity Bank account holder for at least 12 months
• Be in commercial farming for at least two (2) successful seasons/cycles and good knowledge of the market.
• Possess relevant licensing especially for agro-traders and processors.
• Demonstrable sources of income for loan repayment.
• Documentary evidence of farm ownership for production or a valid lease agreement covering at least two future seasons/cycles.
• Farming project to be financed must be within a radius of maximum of 30kms from the branch and easily accessible to the bank officials

• 12 month Equity Bank account statement
• Documentary evidence of relevant licensing especially for agro-traders and processors.
• Title Deed or a valid lease agreement covering at least two future seasons/cycles.

• Kenyan Citizen, over 18 years & National ID Card,
• Lease agreement,
• KRA PIN certificate,
• Passport Photograph (for first loans only.)
• 10% compulsory savings,
• Demonstration of ownership of rights to use land.
• Livestock and crop insurance

• National ID Card
• Title Deed or lease agreement
• KRA PIN certificate
• Photograph (for first loans only.)

• The buyer commits to release the payment to the farmer after 30 – 45 days through Century Microfinance Bank.
• Buyer and farmer operate accounts with Century Microfinance Bank

• Advance payment request