Business Loan
Kilimo Maendeleo Agricultural Loan
Equity Bank
Last updated: January 14, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
12% - 15% p.a.
Loan Amount
Ksh 50,000 - Ksh 10,000,000
Approval Time
3-7 working days
Processing Fee
2%
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Low interest rates (12-15%)
- Flexible seasonal repayment
- Grace period up to 6 months
- Free agricultural advisory
- Group lending option
- No collateral for loans below KES 500K (groups)
Cons
- Farm inspection required
- Processing time 3-7 days
- Land documents mandatory
- Weather and crop risk exposure
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Product Details
Features
- Tailored for agricultural enterprises
- Flexible repayment aligned with harvest seasons
- Grace period up to 6 months for seasonal crops
- Group lending available
- Free agricultural advisory services
- Subsidized interest rates for certified farmers
- Equipment and machinery financing
- Input financing (seeds, fertilizer)
- Livestock financing available
- Mobile disbursement to M-Pesa
Eligibility Requirements
Age: 21 - 70 years
0Employment: Farmer, Agricultural business owner, Self-employed
Required Documents
- Copy of ID/Passport
- KRA PIN Certificate
- Land ownership documents or lease agreement
- Farm inspection report
- Business plan or farming proposal
- Last 6 months bank statements (if available)
- Group registration certificate (for group lending)
Repayment Options
M-Pesa PaybillBranch paymentMobile bankingStanding orderGroup collection
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