Agribusiness Loans Providers In Kenya

This is a list of financial institutions that provide agribusiness loans in Kenya. Agribusiness is today a thriving sector in the country, and it has played a significant part in addressing the issue of unemployment.

In Kenya, there are various financial organizations that offer start-up capital/agribusiness loans to those who want to enter the trade but lack the necessary funds.

Agribusiness loans are useful in driving farm operations, especially for the average farmers who are unable to meet the high production costs.

This article outlines 11 agribusiness loan lenders operating in the county. Take a look.

Agribusiness Loans Providers in Kenya

1. Agricultural Finance Corporation

AFC provides agribusiness loans to support agribusiness traders. It provides equipment loans, livestock and fisheries development loans, cash crop, horticulture and floriculture development loans, water development loans, and seasonal crop credit.

Contacts: 0788 524 998, 0704 153 773.

2. KCB Bank

Sugarcane farmers who have signed up with reputed sugar businesses and are searching for operating capital or farm development can apply for agricultural loans from KCB.

Dairy and animal loans, structured loans, contracted crop loans, horticultural loans, farm development loans, and mavuno tea loans are all available from the bank.

3. Juhudi Kilimo

Juhudi Kilimo is a leading East African provider of transformative financial solutions to rural smallholder farmers. Crop farming loans, animal farming loans, agricultural equipment loans, working capital loans, sustainable energy loans, and consumer loans are all available from the organization.

Contact: 0709 692 000.

4. National Bank

In Kenya, National Bank provides Sharia-compliant Jenga kilimo funding to farmers in order for them to boost their output and develop their agricultural operations.


  • Loans of up to Kshs 5 million are available.
  • A repayment schedule of up to 48 months is available, with a three-month grace period.

5. Bank of Africa

The bank provides agribusiness loans, which are short- to medium-term lending facilities that assist farmers in purchasing farm supplies like seeds, fertilizers, and pesticides, as well as paying for the lease of extra agricultural land, purchasing livestock, and financing other social development needs.


  • Secured by any suitable tangible security, such as title deeds, logbooks, listed shares, cash cover, and so on.
  • The interest rate set by the CBK.
  • Interest is calculated in arrears on a decreasing balance or at a flat rate.
  • Loan repayment options include EMIs, one-off payments, and payments based on the customer’s financial flow.
  • Maximum term of three years for machinery, equipment, and asset finance.
  • For farm inputs finance, a maximum of one year or crop period/cycle, whichever is shorter, is permitted.

6. ECLOF Kenya

ECLOF Kenya is a microfinance firm that offers agribusiness loans and loan products to farmers in order for them to obtain high-quality livestock as well as farming in horticulture and floriculture.


  • The loan amount is determined by your needs.
  • Repayment terms are flexible.
  • A grace period that is responsive.
  • Crop, livestock, and credit life insurance are all unique.
  • Production and marketing training and consulting.

7. Bimas Kenya

Bimas Kenya provides agribusiness loans to farmers who are engaged in crop production to finance the acquisition of farm inputs such as seeds, pesticides, fertilizers, and farm operation operations.

Dairy/mifugo loans, chipukizi loans, and dhabiti loans are among the financial types available.

8. Equity Bank

Equity Bank provides the Kilimo Biashara loan, which assists small-scale farmers by financing the purchase of farm inputs such as certified seeds, fertilizers, pesticides, labor hire, and harvesting fees.


  • Loan amounts range from Kshs 5,000 to Kshs 100,000.
  • The repayment duration is one year or the crop production period, whichever comes first.
  • This agribusiness loan does not cover the cost of leasing land. Small-scale commercial food crop farmers are the intended beneficiaries.
  • Accepted collateral security comprises any combination of chattels mortgaged over agricultural and household assets, as well as traditional security in the form of a motor vehicle logbook or land title document.

Read also, List Of Title Deed Loan Lenders In Kenya

9. Family Banking

The bank provides the Kilimo Biashara loan, an agribusiness loan designed to fund working capital for the acquisition of stock and farm supplies such as certified seeds, fertilizers, or chemical treatments.


Non-account holders are welcome to apply for the facility.
Loan amounts are matched to the needs of the business.
Loan repayment terms of up to 36 months are available.
A 12% annual interest rate is charged.


  • A security that is adaptable.
  • Repayment period is convenient.
  • Rapid disbursement.
  • The Ministry of Agriculture provides training.

10. NCBA Bank

NCBA Bank provides loans to farmers who are engaged in the production of crops or seeds for scheme companies, such as seeds, chemicals, fertilizers, and related farm operation operations. They provide adjustable repayment schedules based on crop cycles and contracts. The product feature loans of up to Kes 6,000,000 with affordable and inexpensive interest rates.


  • Up to Kes 6,000,000 loan amount.
  • Available to farmers contracted by a scheme to produce crops or seeds for seed companies, cooperative societies, and institutions with a buy-back guarantee.
  • Farmers must have at least 2 years of farming relationship with the scheme company.
  • Flexible security requirements.

11. Tai Sacco

Tai Sacco’s Agribusiness Loans and Advances in Kenya are given to farmers from several sectors. The Sacco takes pride in its ability to provide agricultural loans and advances to Kenyans around the country as the economy continues to flourish.

These are some examples:

  • Tea-based loans.
  • Kahawa loans and advances.
  • Milk loans and advances.
  • Pig and poultry loans.

Conclusion: Agribusiness loans providers in Kenya

If you are looking forward to obtaining an agribusiness loan, then these financial institutions have got you covered. Just pay them a visit t any of their branches or visit their websites to get a quotation.