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Tailor-made for You!

KCB Bank offers tailored solutions designed to meet the unique needs of Agribusinesses in Kenya. These solutions are aimed at streamlining financial operations, facilitating fee collection, managing payroll, and supporting the overall financial health of educational institutions such as schools, colleges and universities.

Dairy Loan

This is a loan product designed to cater for the needs of dairy producers and other actors in the dairy value chain by providing finances for working capital and herd improvement. They are categorised into two;

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Optimal Loan repayment duration.

Minimum loan amount of Kshs 50,000.

Livestock Farming Loan

This is a loan product designed to cater for the needs of those who produce and trade in livestock.

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Loan amounts Upto Kes 250M.

Maximum of 12 months for Pasture production e.g. leasing of land, fencing, seeds, tilting and land preparation, infrastructure development eg holding pens, boreholes etc.

Maximum of 3 months for traders involved in sale and transportation of Livestock.

Customer to contribute 20% of the total loan requirement. Bank to provide 80%.

Maximum of 6 months for animal fattening, egg production and breeding.

Agribusiness Asset Financing

This is a loan facility that enables customers to purchase commercial and farm machinery and equipment such as green houses, irrigation kits, oil processing equipment, chaff cutters, tractor implements, trucks for transport produce e.g. cereals, milk etc.

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Loan amount of up to 250M.

20% contribution for used assets, 40 % for used tractors.

Asset to be used as collateral.

Customer to contribute 20% of the total loan requirement. Bank to provide 80%.

20% contribution for new assets, 30% for new tractors.

Loan duration up to 60 Months, 36 months for tractors.

Biodigester Loan

This is a loan product designed to support farmers in the acquisition of Biogas systems. The product is offered in partnership with Kentainers Ltd who also provide expertise in installation.

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Unsecured loan amount of up to Kshs 3 million.

Undertaking by a reputable processor to channel payments through KCB.

Secured loan amount of Kshs 3 million up to Kshs 250 million.

Chattels mortgage over Bio digester Kit.

Loan repayment duration up to 18 Months.

Working Capital Loan

This is a loan product designed to meet working capital requirement needs for traders in agribusiness. These include Agro vets, Agro processors, commodity traders(cereals, Legumes, Vegetables etc.), traders in livestock.

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Up to 250 Million.

12 months tenor.

Security; title deeds, logbooks, stocks etc.

Structured loan

This is an agribusiness loan designed for crop farmers who do not have contracts with reputable off takers. The loan repayment cycles are designed to correspond to the respective crop season.

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Loan upto 250 M.

Loan tenor pegged on crop cycle.

Loan repayment by bullet.

Contracted Crop loan

This is a loan product designed for farmers contracted by reputable companies for seed multiplication. It comprises input financing and invoice discounting.

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Unsecured loan amount of up to Kes. 5 million for Kenya seed growers and Kes. 3 million for growers of other approved companies.

Loan amounts above Kes. 5 million for Kenya seed growers and Kes. 3 million for growers of other companies to be fully secured.

Loan repayment duration up to 12 Months.

Horticulture loan

This is a greenhouse and irrigation Kits financing product offered in collaboration with two companies namely Hortipro Company Limited and Amiran-Kenya Limited. These partner companies provide expertise in installation.

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Loan amount of up to Kshs 250 million.

10% contribution by the farmer.

Asset to be used as collateral.

Loan repayment duration up to 36months .

Loans above 1 million must have tangible security.

Crop Insurance offered by KCB Insurance.

Farm Development Loan

This is a greenhouse and irrigation Kits financing product offered in collaboration with two companies namely Hortipro Company Limited and Amiran-Kenya Limited. These partner companies provide expertise in installation.

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Maximum loan period - 36 months.

Installments, one-off or yearly while servicing monthly interest.

All loans must be fully secured.

ABF terms will apply for acquisition of machinery.

Mavuno Tea Loan

The Loan is for farmers supplying tea to KTDA & private tea factories. Loans are available to individual tea farmers and factories/tea organizations.

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Flexible repayment (considers both monthly and bonus payment).

Loan top ups available.

We buy off tea loans from other financial institutions (Banks and SACCOs).

Mavuno Coffee Loan

This is a tailormade loan facility to support individual coffee farmers, cooperative societies, and other players within the coffee value chain. The loan offer is packaged to address needs of the following two customer categories.

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Unsecured loans.

Fully secured loans.