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

Benefits

1. Loan upto 250 M
2. Loan tenor pegged on crop cycle
3. Loan repayment by bullet

What we need from you*

1. Past crop production records
2. Projected cash flow
3. Suitable security requirements
4. Must have been in production for at least two crop cycles

*A bank representative may call you at any time to obtain further information in line with our KYC process. At no point shall you be asked for your PIN or passwords.  Remember, PIN yako siri yako.

Loan Rates & Fees*

1. Competitive rates

*Charges are not inclusive of tax

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

Benefits

1. Unsecured loan amount of up to Kes. 5 million for Kenya seed growers and Kes. 3 million for growers of other approved companies
2. Loan amounts above Kes. 5 million for Kenya seed growers and Kes. 3 million for growers of other companies to be fully secured.
3. Loan repayment duration up to 12 Months.

What we need from you*

1. Valid contract between the grower (farmer) and an approved seed company
2. Undertaking from the seed company to channel proceeds through growers KCB account

*A bank representative may call you at any time to obtain further information in line with our KYC process. At no point shall you be asked for your PIN or passwords.  Remember, PIN yako siri yako.

Loan Rates & Fees*

1. Competitive rates

*Charges are not inclusive of tax

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.

Benefits

1. Loan amount of up to Kshs 250 million.
2. Asset to be used as collateral.
3. Loans above 1 million must have tangible security
4. 10% contribution by the farmer
5. Loan repayment duration up to 36months.
6. Crop Insurance offered by KCB Insurance.

What we need from you*

1. Borrower must be an active farmer in horticulture/floriculture for atleast 12 months or 1 production cycle.
2. Borrower must produce evidence of ownership of land on which the farming is done.
3. Project site must have or be next to a reliable source of water.

*A bank representative may call you at any time to obtain further information in line with our KYC process. At no point shall you be asked for your PIN or passwords.  Remember, PIN yako siri yako.

Loan Rates & Fees*

1. Competitive rates

*Charges are not inclusive of tax

Benefits

1. Maximum loan period - 36 months
2. All loans must be fully secured
3. ABF terms will apply for acquisition of machinery
4. Installments, one-off or yearly while servicing monthly interest.

What we need from you*

1. Active KCB account.
2. Copy of National Identify Card/Passport
3. Registered member of tea factory.
4. Must be in commercial farming for at least 1 year.
5. Remittances slips or receipts of previous sales.
6. Tripartite agreement with marketing agency/letter of undertaking to commit to channel proceeds through KCB.
7. Above Kes5m legal charge on land is applicable
8. Audited account for amount above Kes5m.
9. Crop insurance from CIC Life assurance for farm developments.
10. Direct payments to supplies for inputs like fertilizer, pesticides where applicable.
11. Credit life insurance to apply for all loans borrowed by individual farmers.

*A bank representative may call you at any time to obtain further information in line with our KYC process. At no point shall you be asked for your PIN or passwords.  Remember, PIN yako siri yako.

Loan Rates & Fees*

1. Competitive rates

*Charges are not inclusive of tax

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

Qualifying Loan Amounts:

1. Unsecured loans of up to Kes. 3 million repayable up to 36 months.
2. Amounts up to Kes. 250 million shall be fully secured.

Purpose:

Loans available for personal (school fees, farm inputs and other farm development).

Capital expenditure for tea factories.

Features:

Flexible repayment (considers both monthly and bonus payment)

Loan top ups available

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

Requirements:

To qualify for a KCB Mavuno Tea Loan, a customer must among other requirements:

3. Have an active account with KCB or provide statement from other financial institution where tea payments are channeled.
4. Be a registered member of a tea factory (KTDA or Private).
5. Last three (3) months tea delivery slips from tea factory.
6. National ID and KRA PIN
7. Have a positive listing on CRB.

Rates & Fees*

8. Competitive rates

*Charges are not inclusive of tax

Mavuno Tea Loan T & C's

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.

Individual Coffee Farmers

Comprises individual coffee farmers, millers, and marketers within the coffee value chain. These customers can access KCB Mavuno Coffee loans under the following three arrangements.

1. Unsecured loans of up to 1 million repayable up to 12 months.
2. Partially secured loans of up to 3 million repayable up to 24 months.
3. Fully secured loans of above 3 million repayable up to 36 months.

Purpose:

This loan is offered to individual coffee farmers, millers, and marketers to finance them with Cherry Advance Payments and Farm Inputs Loan Schemes. Customers can access:

1. Cherry Advance Payments.
2. Farm Input Loans.

 Requirements:

To qualify for a KCB Mavuno Coffee Loan, a customer must among other requirements:

1. Have an active KCB account.
2. Be a member of a registered coffee cooperative society or factory.
3. Have a positive listing on CRB.

2. Cooperative Societies

Comprises the registered coffee cooperative societies, limited companies dealing with coffee, coffee organizations, marketers, millers, within the coffee value chain. These customers can access KCB Mavuno Coffee loans under the following two arrangements.

1. Unsecured loans of up to 10 million repayable up to 12 months.
2. Fully secured loans of above 10 million repayable up to 36 months.

Purpose:

Loans extended to finance Factory Development & Operations and Farm Inputs Schemes. Loans accessible to these customers are.

1. Factory Development and Operations Loans.

   Fully secured loan repayable up to 60 months

2. Factory Cherry Advance 

   Unsecured loan repayable up to 12 months

3. Factory Input Loans. 

   Unsecured loan repayable up to 12 months

Requirements:

To qualify for a KCB Mavuno Coffee Loan, the cooperative societies must among other requirements:

1. Be registered by law with a certificate of registration.
2. Have a clean CRB record.
3. Bank with KCB Bank for at least 3 months.

Rates and Fees

Competitive rates.

Mavuno Coffee Loan T & C'