• Due diligence and IP ownership

Finances land preparation, purchase of farm inputs and implements, livestock feeds, labour finances, business stock, harvest and other agricultural activities. It offers easy and convenient repayment through the monthly pay outs.

This loan targets farmers and micro entrepreneurs to expand their businesses and invest in agri processors, transport services among other businesses.

• 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.