• 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

• Kenyan Citizen
• Age 18+ years

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

• 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

• Have a business not less than a year old
• Business should have regular cash flow
• Business license of the current year where applicable
• Open an account with Co-operative Bank
• Statements of accounts from other banks if your Co-op Bank account is less than 6 months old

• The loan process is designed to allow the borrower to build credit with Branch and unlock larger loan amounts.

• Innovative ideas that stimulate and/or enrich/contribute to next generation approaches in growing Africa’s Agriculture
• Models that seek to scale new, in-demand publicly-bred varieties of food crops (climate-smart and nutrition focus will be considered an advantage.
• Crops must go beyond hybrid maize.
• Ability to leverage partnerships that increase the availability of other key inputs necessary for maximizing the benefits of improved seed varieties including farmers’ access to appropriate finance, extension services, technologies and output markets.

• 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.

• A detailed Business Plan or Feasibility Study (in case of start-ups)
• A loan application letter on the company's letterhead
• A sealed board resolution to borrow (where applicable)
• Certificate of Incorporation, Memorandum and Articles of Association
• Copies of Collateral offered for the facility under request.

• 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

• Evidence for previous years’ bonus pay out.

• A duly filled loan application form
• Feasibility study/Business plan
• 6 Months Certified Bank Statements
• Latest Management Accounts
• Past 3 years Audited Accounts
• Copies of certificate of incorporation
• Memorandum & Articles of Assosiation
• Coies of proforma invoices for the asset being purchased
• Collateral

• Profitability or a clear quantifiable path towards profitability
• Proof of concept around the business model
• Annual revenue generation of more than EUR 500,000 • Social and environmental mission embedded throughout the organisation
• Experienced entrepreneur with proven ability to execute
• Complete or plan for completing management team
• Basic organisation structure and governance in place

Online application for Sustainable Food & Agriculture Financing

• 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