Please ensure Javascript is enabled for purposes of website accessibility

Financing Options and Providers

Total results: 131

Facility Name Sort Provider Purpose Max Sort Business Eligibility Minimum Documentation Required Collection / Repayment (months) Sort
Standard Bank Kenya

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

$27,249
  • 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
12
Prime Bank

Term loans available including Property Finance, Project Finance and Bridging Finance
Customisation of term loan facility to suit your financing needs.

  • One time Processing fee of 1%.
  • No appraisal fee.
  • Maximum loan tenure 4 years.
  • No early repayment penalties.
  • Flexible repayment instalments which may include reducing balance repayment, equal monthly instalment repayment and lump sum repayment.
60
Favourite Commodities Fund -Coffee Loans-Coffee Processing loans (CPL)
Government Development Finance Initiative
Short term loan to finance cooperatives and estates who want to install or replace obsolete processing units at an interest rate of 10% reducing balance
60
Favourite Commodities Fund -Coffee Loans -Cherry Advance (CHADV)
Government Development Finance Initiative
Short term loan to finance picking of cherry (Labour), Processing of cherry, Transport of cherry at a 5% reducing balance interest rate
60
Favourite Commodities Fund -Coffee Loans -Extended Advance (EXADV)
Government Development Finance Initiative
Medium term loan to finance producers in need of rehabilitating their crop by purchasing farm inputs, financing farm operations such as labour and transport at 10% reducing balance interest rate
36
Favourite Commodities Fund -Coffee Loans -Coffee Advances (ADV)
Government Development Finance Initiative
Short term loan to finance primary production/ processing of crops at 10% reducing balance interest rate
12
Favourite Commodities Fund -Coffee Loans -Bulk Acquisition of Farm Inputs (BAFI)
Government Development Finance Initiative
Medium term loan targeting Cooperative societies to improve quality and quantity of coffee produced through organized and purchase of inputs in bulk at 5% reducing balance interest rate
36
Favourite Commodities Fund -Coffee Loans -Value addition Loan (VA)
Government Development Finance Initiative
Medium term Agro–Processing Loan facility for borrowers who are engaged in processing or value addition to agricultural products through processing before selling at 10% reducing balance interest rate
24
Favourite Commodities Fund -Coffee Loans -Wholesale Lending (WSL)
Government Development Finance Initiative
Medium term loan targeted at farmer based Saccos, unions, marketing and milling agents and financial institutions involved in agricultural financing, as a means to increase Commodities Fund’s outreach by leveraging on the above institutions’ local presence at 2.5% flat rate
18
Favourite Commodities Fund -Coffee Loans -Coffee Establishment Loan (CEL)
Government Development Finance Initiative
Long term loan for producers who want to establish new crops or change season, as well as increase acreage at 10% reducing balance rate
60
Favourite Commodities Fund -Coffee Loans -Coffee Machinery and Equipment Loan (CMEL)
Government Development Finance Initiative
Long term loan to facilitate borrowers to acquire machinery and equipment at 10% reducing balance rate
60
Favourite Commodities Fund -Coffee Loans -Infrastructure Loans
Government Development Finance Initiative
Long term loan facility meant to assist producers undertake critical construction works at 10% reducing balance rate
60
Favourite Commodities Fund -Coffee Loans -Water Development/Irrigation Loans
Government Development Finance Initiative
long term loan facility to assist borrowers’ access water on the farm/premises and also installation of irrigation system at 10% reducing balance rate
60
Favourite The Kenya Planters Cooperative Union (KPCU) -Cherry advance levy fund
The Kenya Planters Cooperative Union (KPCU)

The cherry advance levy fund will finance farmers’ working capital as they wait for their earnings from coffee marketers. 

Government Development Finance Initiative
AgriFI Kenya Challenge Fund is implemented by Self Help Africa with technical support from Imani Development Limited. The European Union initiative targets 50 Agri –enterprises in 2 windows. NB: Competition window closed on 20th November 2019
$908,300,000
  • 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
24
Grassroots Business Fund
Finance Agribusiness SMEs in Kenya, Tanzania and Uganda
  • GBF prefers “growth stage” companies with a strong track record.
  • GBF seeks companies that can protect their market position through high barriers to entry, first-mover advantage, high-quality differentiated products, etc.
  • Competent Management Team
60
Favourite Development Finance
Greenland Fedha Limited (GFL)
Finance the purchase of productive assets, facilitating lease payments, equipment, livestock, green houses, and irrigation equipment.
  • Evidence for previous years’ bonus pay out.
12
Favourite Working capital Loan
Greenland Fedha Limited (GFL)

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.


12
Favourite GreenTec Capital Partners
GreenTec Capital Partners
Support entrepreneurs in Africa to grow their businesses and need additional capacity, expertise, technology and funding in order to extend their impact and add value.
  • Operations in Sub-Saharan Africa
  • Focus on Impact and Sustainable Development Goals (SDGs)
  • Early stage companies with proof of concept
  • Scalability and profitability potential
  • Environmental and social impact
60
Favourite GroFin
Visit Website Visit Website Location Pretoria, South Africa Get a call back
GroFin
GroFin considers business applications on the basis of their potential and credibility of the entrepreneur. GroFin understands SMEs and have a proven track record of helping entrepreneurs and business owners start or grow successful businesses.
$1,498,695
  • Entrepreneur Profile: The entrepreneur should have significant own investment in the business, have the ability to manage a business – from operations, sales, financial management, administration, and leadership. They must be willing to work with GroFin as a value adding financier and share management information regularly. They must have growth ambition and demonstrate integrity as well as professionalism in their dealings.
  • Collateral requirements: Though GroFin has no minimum requirement, they expect entrepreneurs to (partly) secure the loan if collateral is available. Quality and value of collateral does play an important part in the overall risk assessment. Personal guarantees of the entrepreneur(s) is required.
  • Social Impact: The business must be able to have a measurable impact in terms of the number of jobs supported and sustained, female ownership, female employment and semi-/unskilled labour. SMEs that provide indirect job opportunities (e.g. training, skills development) and/or environmental services (water, waste, energy, ecotourism) are also attractive to GroFin.
  • Business support: GroFin delivers business support to clients prior to the investment and during the tenor of the loan – focusing on improving business viability, sustainability and growth through identifying material business risks/opportunities across a range of generic areas as identified during the screening/due diligence stage. For this reason, entrepreneurs need to be receptive to receiving advice and implementing recommendations, normally around improving formalisation of their business.
8
HEVA
Youth, Women, Creative industries Stable business
  • Due diligence and IP ownership
36
HEVA
Start-ups in regular positive cash flow
Stringent Due diligence
60
HEVA
Start-ups in regular positive cash flow Other
Cultural aspects & due diligence
6
Favourite IDH Farmfit Fund
IDH
A public-private impact fund for smallholder farmers. The Fund de-risks investments in smallholder farming and helps drive sustainable impact by showcasing the commercial opportunity represented by smallholder farming finance. The EUR 100 million IDH Farmfit Fund takes the responsibility for the first losses incurred supported by a second loss guarantee facility from USAID (up to USD 250 million) thus providing a significant element of reassurance for investors. Sectors covered include food, staple and cash crops including, cocoa, coffee, cotton, palm oil, tea, aquaculture, soy, cassava, rice and other commodities.
  • Attributable benefit to smallholder farmers
10
Favourite Joint Venture
Industrial & Commercial Development Corporation (ICDC)
This facility enables formation of partnerships between ICDC and one or more parties through creation of a new entity to undertake a specific economic activity for an agreed period of time. The Maximum ICDC shareholding is 35%
  • 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
Favourite Strategic Partnership
Industrial & Commercial Development Corporation (ICDC)
The facility allows ICDC and one or more parties to participate for a specified period of time in expansion or restructuring of an existing enterprise by taking up shareholding. Maximum ICDC shareholding: 35%
  • 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
36
Industrial & Commercial Development Corporation (ICDC)
The product enables ICDC to finance companies which have a strong growth potential and a demonstrated ability to earn solid profit margins but lack security to offer for a loan. The product therefore has both debt and equity features. Maximum ICDC shareholding: 35%
  • 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
36
Favourite Corporate Loan
Industrial & Commercial Development Corporation (ICDC)
This facility is available for working capital, business initiation or expansion requirements.
  • 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.
7
Favourite EXIM line of credit
Industrial Development Bank
Credit facility to support technology transfer to Kenyan enterprises through import of plant, machinery and equipment from India.
$1,816,600
  • 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
24
Favourite Project Finance
Industrial Development Bank
Financing between 60 – 70% of total project cost
$1,816,600
  • 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
120

Financing instruments

The Financing Gateway provides you with a free listing of the many financing instruments available for MSMEs. It enables you to filter the instruments that match your needs and click through to the –financing provider’s Internet pages or Contact agent details to find out more and apply.

Get in Touch