• Due diligence and IP ownership

• 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

• Must be a registered self-help group of 10 members and above comprising 100% women or 70 % women and 30% men
• All leadership positions and account signatories must be held by women.
• Group Registration done either at the nearest Social Services office or Huduma Centre.
• Groups are eligible for WEF loans three months after registration.
• Group must have an account in a Bank/SACCO FOSA/Post Bank/Deposit Taking Micro-finance (DTM)
• Group account must have been in existence for at least 3 months.
• Groups must be trained in business management skills by the WEF officers as a prerequisite for the loan application.

• Group registration certificate
• Group account in a Bank/SACCO FOSA/Post Bank/Deposit Taking Micro-finance (DTM)

• Reputable Kenyan SACCO/Co-operative Union/Women owned institution legally registered in Kenya.
• Evidence of certificate of incorporation/registration. • Valid KRA tax compliance certificate.
• Valid Trading license.
• Copies of National IDs and PIN Certificates for all directors/officials.
• Resolution to borrow in case of a Limited Company capturing amount, purpose, and proposed security (Must be sealed).
• CR12 in case of a Limited Company.
• Articles and Memorandum of Association.
• Contact details i.e. postal, physical and email address of the SACCO/Co-operative Union/institution's headquarter and name of contact person for purpose of seeking clarification.
• Have a minimum of three years’ experience in SACCO lending operations.
• Have women- friendly products, offering financial services to urban and/or rural women enterprises (provide list of products & services offered).
• Must have an appropriate governance and management structure.
• Their branches geographical coverage/geographical representation by counties and constituencies.
• Must submit certified copies of audited accounts for at least, the last three (3) years.
• Provide a summary of their loan book portfolio.
• Must have a robust automated system for their loan book management.
• Must demonstrate ability to pledge marketable collateral securities: bank guarantees, fixed deposits and shares listed in the stock exchange.
• Have Competent Management & Personnel; Management MUST be gender responsive. The CVs of members of the management must be attached.
• Have sufficient and experienced credit staff; profile and qualification must be availed.
• Statement of litigation history.
• Clean Credit Reference Bureau (CRB) reports of directors/officials of the SACCO.
• License from SACCO Society Regulatory Authority (SASRA), where applicable.
• Borrowing Powers as approved by the Commissioner of Co-operatives, where applicable.

• SACCO/Co-operative Union/Women owned institution Registration certificate
• Valid KRA tax compliance certificate.
• Valid Trading license.
• Copies of National IDs and PIN Certificates for all directors/officials.
• Resolution to borrow in case of a Limited Company capturing amount, purpose, and proposed security (Must be sealed).
• CR12 in case of a Limited Company.
• Articles and Memorandum of Association.
• Must submit certified copies of audited accounts for at least, the last three (3) years.
• Provide a summary of their loan book portfolio.
• Statement of litigation history.
• Clean Credit Reference Bureau (CRB) reports of directors/officials of the SACCO.
• License from SACCO Society Regulatory Authority (SASRA), where applicable.
• Borrowing Powers as approved by the Commissioner of Co-operatives, where applicable.

• 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

• 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.

• 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

• Kenyan presence
• A Core diverse skilled team
• Refined Working mobile based product/service
• Commercially viable business model
• Active user base
• Generating revenues
• Partnership with Safaricom signed or being discussed
• Raising equity or quasi equity

Application process:

The Fund Manager is S&B Ventures, based in Kenya, who will source deals, perform due diligence and recommend the investments.

• 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.

• 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

• 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

Oiko seeks partners that:

• Create jobs and income for disadvantaged groups
• Are cooperatives, financial institutions or small to medium enterprises
• Have women in influential positions such as in management
• Are environmentally sustainable and respect animal welfare
• Have suitable management in place and are (or can soon become) financially sustainable
• Have a clear need for foreign investment

• 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

• Banking relationship with KCB for at least 3 months
• Tea factory membership registration details

• KCB Bank account statement
• Tea factory membership documentation

• Minimum own contribution of 20% of total cost

• Applicant must have delivered tea to either KTDA or other listed private tea factories

• 3 latest tea delivery receipts
• Bonus receipt of the previous year
• Original and copy of national ID
• Signed irrevocable letter of undertaking/assignment form and guarantor form (where applicable)

• Based on your level of business and security that you provide

• Targets farmers operating monthly remittance accounts with Equity Bank i.e. tea and dairy farmers.
• Equity Bank account holders for a minimum period of three (3) months
• At least one-month remittance through the Equity Bank account and to provide a three (3) years account statement from your previous bankers.
• Demonstrable ability to repay the loan.
• Three most recent payslips.
• Documentary evidence of farm ownership or a valid lease agreement covering at least two future seasons.
• Present evidence of the subject to be financed such as pro forma invoices, bills of quantity etc

• Equity Bank account statement
• Three most recent payslips.
• Land Title or a valid lease agreement covering at least two future seasons.
• Present evidence of the subject to be financed such as pro forma invoices, bills of quantity etc.

• Be a practicing agribusiness farmer with other sources of income.
• Available to both group and individual clients.

• Experience in crop farming
• Have sufficient supply and storage of water.
• Willing to perform soil testing before loan approval.

• Have an existing agriculture input or output trade or service business.

• Active with Equity Bank account holder.
• Timely loan application (preferably one month before the setting in of planting season).
• Demonstrable loan repayment ability.
• Attend weekly group meetings as stipulated in the agriculture group lending policy (for borrowers under this category).
• A commercial farmer with farming experience of at least one (1) successful season.
• Documentary evidence of farm ownership or a valid lease agreement covering at least two future seasons.
• Obtain quotations/pro-forma invoices for the inputs to be financed.
• Demonstrate understanding of the market for the commodity being financed.

• Equity Bank account statement.
• Documentary evidence of farm ownership or a valid lease agreement covering at least two future seasons.
• Quotations/pro-forma invoices for the inputs to be financed.
• Collateral documentation –chattels or conventional securities.

• Bank account holder.
• Document the loan purpose - working capital and operational needs.
• Demonstrable ability to repay the loan.
• Posses relevant business licenses, such as License by KEPHIS (Kenya Plant Health Inspectorate Service) and PCPB (Pest Control Products Board) for stockists already in Agri-business (business existence of 1 year).

• Bank statements.
• Business licenses, such as License by KEPHIS (Kenya Plant Health Inspectorate Service) and PCPB (Pest Control Products Board) for stockists already in Agri-business (business existence of 1 year).

• Existence of On-going agribusiness project
• Open Sumac savings account

• 6 months certified bank statement
• ID and PIN copies
• 2 passport size photos (colour)

• Enterprises/dealers trained & certified through AAK, AGMARK or other Ministry of Agriculture approved program
• Business should have been in operation for at least 12 months

• Training certificate from AAK, AGMARK or other Ministry of Agriculture approved program

• Have innovative approaches to tackling pressing social challenges including environment and sustainability, employment, and economic wellbeing.
• Flexibility about type of organization.

• M-Pesa account

• M-Pesa account