Vuna Kilimo Biashara

To enable individual farmer, associations/group/co-operatives to access farm inputs and agro dealers access working capital under the Ministry of agriculture credit guarantee scheme.
NB. Farmers should be engaged in production of cereals and horticulture.


  • Applicant must be engaged in commercial crop production at primary level
  • Individual farmers, members of a Farmers’ Association or Group.
  • Applicant must ideally be farming on own or leased land, with the remaining lease period covering at least the next two crop seasons.
  • Applicant must have been in crop production for a minimum 2 crop seasons, immediately preceding the current one.
  • Applicant must have proof of farm enterprise cash flows for the last 2 seasons and projections for the current season
  • Applicants must provide proof of viable market
  • Applicant must be account holder or willing to open and operate account with Co-operative Bank where all farming sales proceeds will be channelled
  • Maximum debt ratio of 60% of Gross farming income as seen in comparison of production and earnings trend with account turnovers.
  • Applicant must demonstrate ability to meet farming overheads for the season to be financed
  • Acceptable tangible security. In the case of chattels forced sale values cover minimum of 135% of 90% loan.
  • Chattels alone as security are acceptable for amounts up to Kshs. 300,000
  • For amounts above Kshs. 300,000 one of the chattels must be a vehicle which is not older than 10 years in the absence of tangible security
  • Insurance over death and/or permanent disability with minimum sum assured of loan amount with the bank’s interest noted.

Agro dealer
  • Maximum debt ratio of 50% of EBITDA or net income ( very small businesses)
  • Minimum period in business of 2 years
  • Agro dealers must have agreed to undergo business management skills training for certification by AGMARK (Agriculture marketing trust) and accreditation by the ministry of Agribusiness where possible.
  • Agro dealers must have certificates/license from KEPHIS, PCPB and comply with other statutory requirements
  • Agro dealers must stock certified products.

Other features

Loan amounts –
  • farmers- 10,000 to 300,000
  • Agro dealer- 10,000 to 1,000,000
Interest rate – 12% Application fee – 1%

Appraisal fee – 1 %

Repayment period
  • Farmer – 12 months
  • Agro dealer – 12 months
Repayment Interval
  • Farmer – seasonal
  • Agro dealer – Monthly.