Plan your Business

Agency

Sector

Manufacturing

Support offered

  • Entails provision of demand driven capacity building programmes in Entrepreneurship and skills upgrading for MSEs. The module used by MSEA is Start and Improve your Business (SIYB) developed by ILO.
  • Incubation of MSE operators/startups to improve their competence in unique skills. This is done at Kariobangi MSE Centre of Excellence.

Agricultural, Industrial & Automotive

Numerical Machining Complex offers mechanical and engineering services to the agricultural, industrial and automotive sectors in the East Africa market. Services offered are:

  1. Machining and general engineering
  2. Computer-Aided Design
  3. Computer-Aided manufacture (CAM) – milling, turning, gear cutting and hobbing
  4. Numerical control operations
  5. Foundry casting (both ferrous & non-ferrous)
  6. Fabrication
  7. Laboratory testing – spectrometry, hardness testing and ultrasonic crack detection
  8. Plasma cutting
  9. Sheet metal folding services
  10. Cylindrical & surface grinding

Leather Value chain

  1. 1-Capacity Building
    In collaboration with relevant institutions, KLDC conducts training for new and existing players along the leather value chain.
  2. Training and Production Centre for Shoe Industry (TPCSI)
    TPCSI is a fully equipped institute specializing in diverse array of training modules for footwear and leather goods production situated in Thika, Kiambu County.
    The Institute offers training in four (4) modules:-
    • Stitching
    • Cutting and Costing
    • Footwear Design and Manufacturing
    • Leather Goods Design and Manufacturing
    In each module, the training is undertaken in four (4) levels . These are: –
    • Basic Skills
    • Machine Operations and Control
    • Dummy Development
    • Prototype and Production
  3. Market Linkages & Resource Mobilization
    The Council facilitates the participation of leather sector players in marketing fora to connect with consumers at local, regional and international platforms. The Council also liases with development partners to mobilize resources for the development of the leather sector
  1. Mechanical Engineering
  2. Building and Construction
  3. Electrical and Electronics Engineering
  4. Leather Technology
  5. Fashion Design and Clothing Technology
  6. Foods and Beverage vii. Information Communications Technology
  7. Business Management and Entrepreneurship

Industrial and Entrepreneurship
skills training for industrial workers,
the self-employed and school leavers

Agency

Kenya Export Promotion & Branding Agency

Sector

All economic sectors

Support Offered

Market intelligence for various export market

All economic sectors

Export Trade Statistics & Market Opportunities

Agriculture

Access daily Agricultural commodities market information via this link Wholesale commodity prices and also download the monthly livestock information via this link Livestock Market information reports or directly access the National Livestock Market information through http://www.lmiske.net/Pages/Public/Home.aspx.

ICT

The Authority evaluates and monitors the performance and trends of the communications sector through market analysis and reporting of data collected from service providers as per their license conditions on a quarterly basis

Agency Product Product Features Product Requirement
IDB Capital Limited EXIM line of credit
  • Loan amount ranging from 5 Million to kshs. 200 Million
  • Exemption from duties and taxes for machinery and equipment purchase using this credit facility
  • Competitive interest rates
  • Grace period of  up to  2 years
  • Customized repayment period to suit business needs
  • Plants and machinery must be made in India

 

 

  • A duly filled loan application form
  • Feasibility study/Business plan
  • 6 Months Certified Bank Statements
  • Latest Management Accounts
  • Past 3 years Audited Accounts
  • Copies of certificate of incorporation,
  • Memorandum & Articles of Association
  • Copies of proforma invoices for the asset being purchased
  • Collateral
Project Finance
  • Percentage of Financing between 60 – 70% of total project cost
  • Minimum loan of Ksh. 5 Million and a Maximum of ksh 200 Million
  • Flexible repayment period ranging between 5 to 10 years depending with the nature of the business.
  • Competitive interest rate
  • Grace period of between 6 months to 24 Months
  • A duly filled loan application form.
  • Feasibility study/ business plan
  • Memorandum and Articles of association.
  • Project cost estimates
  • Financing plan
  • Audited accounts for 3 years for the existing business or related business.
  • Bank statements for 3- 6months
  • Collateral
Asset Finance
  • Minimum loan of Ksh. 5 million
  • Loan repayment of up to 60 monthly instalments
  • Competitive interest rates
  • 70– 80% of total cost of the asset to be financed
  • A duly filled loan application form.
  • Business plan
  • 6 months original bank statements
  • Latest management accounts
  • Audited accounts for the past three years
  • Copies of invoices for the assets to be purchased
  • Memorandum and Articles of Association
Working Capital
  • Minimum lending Ksh. 5 million
  • Loan repayment of up to 36 monthly instalments
  • Competitive interest rate
  • 70– 80% of total costs to be financed
  • A duly filled loan application form.
  • Business plan
  • 6 months original bank statements
  • Latest management accounts
  • Audited accounts for the past three years
  • Memorandum and Articles of Association
  • Collateral
ICDC Equity Products :

-Joint Ventures

-Strategic Partnerships

-Quasi Equity

  • Minimum Investment amount: Ksh 10m
  • Maximum ICDC shareholding: 35%
  • A detailed Business Plan or Feasibility Study
  • Letter of offer to ICDC for an equity stake in the company/business
  • Executed Board Resolution for the offer
  • Certificate of Incorporation, Memorandum and Articles of Association
Debt Product-Corporate Loan
  • Minimum amount: Ksh 5m
  • Competitive interest rates
  • Tenure: Up to 7 years
  • A detailed Business Plan or Feasibility Study (in case of start ups)
  • A loan application letter on the company’s letterhead
  • A sealed board resolution to borrow (where applicable)
  • Certificate of Incorporation, Memorandum and Articles of Association
  • Copies of Collateral offered for the facility under request.
Debt Product-Asset Finance This product targets corporate clients who seek to acquire, modernize and/or increase fleet of motor vehicles (non-PSV), machinery & equipment.

Features:

  • Loan amount Up to Kshs 30m
  • Competitive interest rates
  • Tenure:Motor vehicle up to 5 years, Machinery, Plant & Equipment up to 8 years
  • A detailed Business Plan or Feasibility Study (in case of start ups)
  • A loan application letter on the company’s letterhead
  • A sealed board resolution to borrow (where applicable)
  • Certificate of Incorporation, Memorandum and Articles of Association
  • Copies of Collateral offered for the facility under request.
Debt Product-Lines of credit This is an approved loan limit amount available for draw down over a period of up to one year. It is designed to address unforeseen liquidity constraints.

Features:

  • Loan amount: Up to Ksh 300m
  • Competitive interest rates
  • Tenure: reviewed annually
  • A detailed Business Plan or Feasibility Study (in case of start ups)
  • A loan application letter on the company’s letterhead
  • A sealed board resolution to borrow (where applicable)
  • Certificate of Incorporation, Memorandum and Articles of Association
  • Copies of Collateral offered for the facility under request.
Debt Product-Bridging Finance This is a facility offered as a short term stop gap measure for a maximum period of three years as an entrepreneur seeks for longer term financing.

Features:

  • Loan amount: Up to Ksh 300m
  • Competitive interest rates
  • Tenure: Up to 3 years
  • A detailed Business Plan or Feasibility Study (in case of start ups)
  • A loan application letter on the company’s letterhead
  • A sealed board resolution to borrow (where applicable)
  • Certificate of Incorporation, Memorandum and Articles of Association
  • Copies of Collateral offered for the facility under request.
Debt Product-Contract finance This is designed to allow businesses to access short term loans for working capital to supply goods on contract or undertake tendered projects.

Features:

  • Loan amount: Up to Ksh 200m
  • Competitive interest rates
  • Tenure: Up to 3 years
  • A detailed Business Plan or Feasibility Study (in case of start ups)
  • ·A loan application letter on the company’s letterhead
  • A sealed board resolution to borrow (where applicable)
  • Certificate of Incorporation, Memorandum and Articles of Association
  • Copies of Collateral offered for the facility under request.
Guarantee Product-Tender and Bid Bonds This facility is provided to clients to enable them bid for supply of goods and services.
Guarantees Minimum amount: Open

Appraisal Fee: 2% of contract value p.a

Tenure: Depending on the contract time period

 

 

Youth Fund Agri -biz loan

 

The loan is available to youth who wish to start or expand agricultural related businesses including purchase of equipment and working capital. The loan is available to individuals, registered groups, partnerships and companies owned and run by the youth. Youth can access up to Kshs. 2 million. The loan has no interest but a management fee of 5% of the loan amount will be deducted from the loan at disbursement.
  • Applicants must source for inputs or equipment from accredited vendors and provide invoices/quotations for the same
  • Must have a valid supply contract where applicable and copies of the same provided
  • Must have relevant licenses, and provide copies
  • Must have a proposal for starting an agricultural undertaking endorsed by a mentor in the same agribusiness who will also guarantee the applicant
  • Must provide relevant business records including sales agreement
  • Must provide certified 6 months bank statements
  • Undertaking by contracting/procuring entity to pay the proceeds to Youth Enterprise Development Fund
  • Must provide proof of ownership of land where farming will be undertaken or lease agreements for leased land, or consent of use of land from owner.
  • Must have 2 guarantors, one of whom must be operating in the industry. In the absence of this, the applicant must provide a conventional security.
  • Start-up applicants must be organized in groups, or must have alternative income, or must provide conventional securities.

 

Vuka loan

 

Vuka Start Up

  • Advanced to youth with alternative verifiable income and business plan.
  • Youth can access up to Kshs. 500,000.
  • The loan is fully secured by conventional security.

Vuka Expansion Loan

  • From Kshs. 100,000 to Kshs. 5,000,000.
  • Attracts an interest of 6% and a one-off management fee of 1% netted off from the loan at disbursement.
  • Grace period of one month.
  • Loan of Kshs. 100,000 will be secured using chattels, stock and business assets. Loan above Kshs. 100,000 will be secured by conventional security.

Vuka Asset Financing

  • The Fund will finance 70% of the value of the assets/equipment being purchased.
  • Additional security will be provided in addition to the asset financed.
  • Loans of Kshs. 100,000 will be secured using chattels, stock, business assets and/or guarantees. Loans above Kshs. 100,000 will require conventional security.
  • In the case of motor vehicles, the Fund will finance up to 90% of the value of motor vehicles (including PSVs, tuktuks & motorcycles) being purchased and must be new. Used motor vehicles shall not exceed 8 years of age. The financed motor vehicle will be fitted with a tracking device and comprehensively insured.
  • In case of partnerships, 70% of the partners should be between 18-34 years.
  • Borrower will bear all costs such as insurance, security perfection, valuation, registration of charge/chattel and legal fees.

 

Constituency based loans

 

1. RAUSHA

Rausha is a group loan for startup businesses or other income generating activities. Loan amount is Kshs. 100,000. Rausha loan has a three-month grace period. Repayment will be made in twelve (12) equal monthly instalments.

2. INUA

Inua is a business expansion loan for groups. It is advanced to groups with running businesses. Groups which have fully repaid Rausha or loans from other institutions can apply for Inua. Loan amount starts from Kshs. 200,000 and groups can progressively graduate up to Kshs. 1,000,000.

 

http://www.youthfund.go.ke/constituency-based-loan/
LPO FINANCING

 

  • The loan is available to individuals, registered groups, partnerships and companies owned and run by the youth.
  • Youth can access up to Kshs. 5 million.
  • The Fund will finance 70% of the LPO amount.
  • The loan attracts an interest of 1.5% after 90 days.

·       A commission of 6.5% of the amount borrowed will be charged.  The loan will be secured using Letter of undertaking, Bank guarantees, and conventional security.

 

  • Be registered with the relevant government body.
  • A valid LPO from a qualifying agency
  • Undertaking by the procuring entity to pay the tender proceeds in favour of Youth Enterprise Development Fund Board
  • Customer account details

 

TALANTA LOAN

 

The loan is available to youth in the Creative/Performing Arts. The applicant may be an individual, registered group, partnership or companies owned and run by youth. The applicant may use the loan for working capital or to purchase talent related equipment.
  • Must be registered with the relevant authorized body (e.g for music, Music Copyright Society of Kenya).
  • Must have a valid contract where applicable
  • For music, must have evidence of recorded audio or video or evidence of work in progress.
  • Must have a budget accompanied by invoices or quotations where applicable.
  • Undertaking by contracting entity to pay the proceeds to Youth Enterprise Development Fund
  • Must have 2 guarantors who must provide bank statements, one of whom must be operating in the industry. In the absence of this, the applicant must provide a conventional security.

 

VIJANA BAHARIA LOAN

 

The Vijana Baharia Loan has been developed to facilitate young people to take up job opportunities in the shipping and maritime sector. The loan is available to youth (18-34 years) who have obtained employment as seafarers in cruise ships. The loan is meant to facilitate them to meet various Pre-Embarkation and Embarkation costs including those related to certification and training. Applicants can access up to Kshs. 200,000. The loan attracts no interest except a management fee of 5% which is deducted at the point of disbursement. http://www.youthfund.go.ke/vijana-baharia-loan/
Kenya Industrial Estate Limited Credit Facilities KIE provides affordable medium to long-term finance to MSMIs for the purchase of machinery, equipment and working capital, either for start-ups, expansion, modernization or rehabilitation focusing on priority sectors identified in Vision 2030. https://www.kie.co.ke/index.php/products-and-services/financial-support-services

 

Special Credit Facilities for Marginalized Areas

 

https://www.kie.co.ke/index.php/products-and-services/financial-support-services
Topup Loan Facilities This is a produclt targeting the existing KIE clients (loanees, mortgages and tenants) who have/had good credit record and have potential for growth and wish to acquire additional capital or financial assistance https://www.kie.co.ke/index.php/products-and-services/financial-support-services
Bid Bond Facility

 

Bid Bond Facility

A bid bond is issues as part of a bidding process by the surety to the project owner, to guarantee that the winning bidder will undertake the contract under the terms at which they bid. KIE charges for this service at a negotiable rate.

 

https://www.kie.co.ke/index.php/products-and-services/financial-support-services
Performance Bond Facility

 

Performance Bond Facility

For this product, KIE has set aside funds in a commercial bank to facilitate performance bid bond facility to its ‘A’ Rated Clients

 

Kenya Industrial Property Institute (KIPI) is a parastatal under the Ministry of Industrialization, Trade and Enterprise Development. KIPIs main function are :

Industrial property rights administration
Provision of technological information to the public
Promoting inventiveness in Kenya
Provision of training on industrial property

The following table provides detailed information on the various forms of intellectual property and procedure for application

Intellectual Property

Trade Mark

IP Detail

A Trade Mark is a sign which serves to distinguish the goods of an industrial or a commercial enterprise or a group of such enterprises. Find out more (https://www.kipi.go.ke/index.php/trademarks )

Fees

Forms & Requirements

Patent

Invention means a solution to a specific problem in the field of technology. It is; a new and useful art (whether producing a physical effect or not), process, machine, manufacture or composition of matter which is not obvious, or any new and useful improvement thereof which is not obvious, capable of being used or applied in trade or industry and includes an alleged invention. An invention may be, or may relate to, a product, or a process. Find out more (https://www.kipi.go.ke/index.php/patents )

Industrial Design

According to industrial property Act 2001, an industrial design is defined as “any composition of lines or colours or any three dimensional form whether or not associated with lines or colours, provided that such composition or form gives a special appearance to a product of industry or handicraft and can serve as pattern for a product of industry or handicraft”. Find out more (https://www.kipi.go.ke/index.php/industrial-design )

Utility Model

Utility model means any form, configuration or disposition of element of some appliance, utensil, tool, electrical and electronic circuitry, instrument, handicraft mechanism or other object or any part of the same allowing a better or different functioning, use, or manufacture of the subject matter or that gives some utility, advantage, environmental benefit, saving or technical effect not available in Kenya before and includes micro-organisms or other self-replicable material, products of genetic resources, herbal as well as nutritional formulations which give new effects. Find out more (https://www.kipi.go.ke/index.php/utility-models )

Fees

Traditional Knowledge

The Traditional Knowledge (TK )and Genetic resources (GR)unit, abbreviated as “TK & GR – UNIT” was established at the Kenya Industrial Property Institute (KIPI), in March 2009, to specifically address issues of intellectual property rights relating to traditional knowledge associated with genetic resources for indigenous and local communities practicing traditional lifestyles, their traditional cultural expressions, access and benefit sharing issues, Bonn and Akwe-Kon guidelines, disclosure requirements and other related matters within the national and international framework. Find out more (https://www.kipi.go.ke/index.php/traditional-knowledge )

Kenya Industrial Research and Development Institute (KIRDI) is a national research institution established in 1979 under the Science and Technology Ac Cap. 250 of the Laws of Kenya (now repealed and replaced by the Science, Technology & Innovation Act, 2013) and mandated to undertake multidisciplinary research and development in industrial and allied technologies including; Mechanical Engineering, Energy and Power Resources, Leather Technologies, Textile Technology, Industrial Chemistry Environment, Chemical Engineering, Electrical Engineering, Food Technology, Ceramics and Clay Technologies, Information Communication & Technology (ICT) and Mining.

KIRDI offers the following SME support;

  1. Common Manufacturing facilities
  2. Business Incubation services
  3. Product Development
  4. Training and Capacity Building

Organization Area of Support Details
Kenya Research & Development Institute (KIRDI) Common manufacturing facilities

CMF concept is where KIRDI provides facilities for MSME`s to process their products. Common manufacturing facilities are offered in the following areas;

  1. Food Technology
  2. Chemical Engineering
  3. Leather Processing Technology
  4. Engineering Development and Service Centre
  5. Textile Technology
  6. Ceramics & Building Materials

Business incubation services
KIRDI runs an incubation programme in which startups are housed within the organization for a maximum period of 6 months. We also run a virtual incubation service where Research Scientists support entrepreneurs and industrialists from their establishments.

The Incubatees both virtual and inhouse are given technical support, in the specific areas of interest.

Incubation services are offered on first come first served basis; In house incubation is strictly pegged on availability of space.

Product Development
KIRDI’s Research Scientists assist MSME’s in product development. The Entrepreneurs/ Industrialists are aided in improving their products to a competitive quality range that is acceptable in the local, regional and international markets.

Training and capacity building programmes
KIRDI offers practical and industry related training courses that are custom made and focused on the needs of MSMEs. The trainings are conducted in all our technical divisions including; Food processing pilot plant, Mushroom pilot plant, Natural Products, Leather Development Centre, Energy Division, Ceramics Pilot Plant and Engineering Development Service Centre.

 


Training and Capacity Building

Institution About Where to find them
Numerical Machining Complex Numerical Machining Complex offers mechanical and engineering services to the agricultural, industrial and automotive sectors in the East Africa marke https://nmc.go.ke/
Kenya Leather Development Council Kenya Leather Development Council (KLDC) is a State Corporation established by the Government of Kenya under the Kenya Leather Development Council Order, 2011 (Legal Notice No. 114 of 9th September, 2011), under the State Corporations Act (Cap.446), Laws of Kenya.

Services include: Capacity building, market linkages & Training and Production Centre for Shoe Industry

among others

https://leathercouncil.go.ke/services/service-inner/
Kenya Industrial Training Institute (KITI) Kenya Industrial Training Institute (KITI) is the only Government Department under the Ministry of Industrialization and Enterprise Development offering  training.

KITI offers industrial and Entrepreneurship

skills training for industrial workers,

the self-employed and school leavers

http://kiti.ac.ke/node/1
The Micro and Small Enterprise Authority (MSEA) The Micro and Small Enterprise Authority (MSEA) is a state corporation established under the Micro and Small Enterprise Act No. 55 of 2012.The Micro and Small Enterprises (MSEs) occupy a very strategic position in the development of this country. They cut across all sectors of the Kenyan economy and have been identified as major contributors to employment creation and income generation.

 

https://www.msea.go.ke/
Kenya Industrial Estate Limited KIE Limited was established to facilitate development and incubation of micro, small and medium enterprises (MSMEs) countrywide by establishing industrial parks, providing credit and business development services (BDS) in a sustainable manner https://www.kie.co.ke/index.php/products-and-services/business-advisory-services

 

 


Market Information

Institution About Where to find them
Kenya Export Promotion & Branding Agency The Agency collects, collates, stores, analyses and disseminates trade information to support enterprise competitiveness.  In addition to the market research findings, the Agency obtains export market information from credible sources such as the International Trade Centre (ITC), World Trade Organization (WTO), trade promotion organizations including the Japan External Trade Organization (JETRO), Centre for the Promotion of Imports from Developing Countries (CBI) etc https://brand.ke/index.php/kenyan-exporters/market-intelligence
Infotrade Kenya Export Trade Statistics & Market Opportunities https://infotradekenya.go.ke/menu/824
Communication Authority of Kenya The Communications Authority of Kenya (CA) is the regulatory authority for the communications sector in Kenya.The Authority evaluates and monitors the performance and trends of the communications sector through market analysis and reporting of data collected from service providers as per their license conditions on a quarterly basi https://ca.go.ke/consumers/industry-research-statistics/statistics/
Kenya Livestock Market Council KLMC provide reliable market information to livestock producers and traders across the country. In collaboration with other stakeholders KLMC has been in front line in development of a reliable market information system. The organization supports 42 markets being monitored under the National Market Information Systems being managed by Ministry of Livestock Development, KLMC, and other stakeholders http://livestockcouncil.or.ke/market-information-development/
National Farmers information center You can  access daily Agricultural commodities market information via this link  Wholesale commodity prices and also download the monthly livestock information via this link Livestock Market information reports or directly access the National Livestock Market information through http://www.lmiske.net/Pages/Public/Home.aspx. http://www.nafis.go.ke/
Ministry of labor and Social Protection-State Department of labor The departments core functions are; Maintenance and dissemination /provision of up to-date labour market information,Development and dissemination of guidelines for skills development among others https://labour.go.ke/downloads/


Financing

Institution About Where to find them
IDB Capital Limited IDB Capital Limited is a Development Finance Institution established by the Government of Kenya on 12th January 1973.

IDB is mandated to further economic development of Kenya through assisting in the promotion, establishment, expansion and modernization of medium and large scale industrial enterprises,  through offering competitive financial services

http://www.idbkenya.com/
ICDC ICDC has over 60 years of experience and stability in promoting projects that create wealth and jobs for Kenyans in diverse sectors of the economy.

We are especially excited by projects in the Manufacturing, Agro-processing, Energy, ICT, Infrastructure, Financial services and Education sectors.

We are keen to provide you with creative and flexible financial solutions tailored to meet your unique investment needs. ICDC offer Equity, Debt and Guarantee Products

http://www.icdc.co.ke/index.php/about-us/who-we-are/about-icdc
Youth Fund The Youth Enterprise Development Fund is a state corporation under the Ministry of ICT, Innovation and Youth Affairs. It was gazetted on 8th December 2006 and then transformed into a State Corporation on 11th May 2007. The Fund is one of the flagship projects of Vision 2030, under the social pillar. Its strategic focus is on enterprise development as a key strategy that will increase economic opportunities for, and participation by Kenyan Youth in nation building. The Fund seeks to create employment opportunities for young people through entrepreneurship and encouraging them to be job creators and not job seekers. It does this by providing easy and affordable financial and business development support services to youth who are keen on starting or expanding businesses. http://www.youthfund.go.ke/
Kenya Industrial Estate Limited Kenya Industrial Estates (KIE) Limited was established in 1967 as a subsidiary of Industrial and Commercial Development Corporation (ICDC) with a major role of promoting indigenous entrepreneurship by financing and developing small scale and micro enterprises https://www.kie.co.ke/index.php/products-and-services/financial-support-services


Intellectual Property

Institution About Where to find them
Kenya Industrial Property Institute KIPI is a parastatal under the Ministry of Industrialization, Trade and Enterprise Development. KIPIs main function are :

1-Industrial property rights administration

2-Provision of technological information to the public

3-Promoting inventiveness in Kenya

4-Provision of training on industrial property

http://www.kipi.go.ke/


Research and Development

Institution About Where to find them
Kenya Industrial Research and Development Institute  KIRDI is a national research institution established in 1979 under the Science and Technology Ac Cap. 250 of the Laws of Kenya (now repealed and replaced by the Science, Technology & Innovation Act, 2013) and mandated to undertake multidisciplinary research and development in industrial and allied technologies including; Mechanical Engineering, Energy and Power Resources, Leather Technologies, Textile Technology, Industrial Chemistry Environment, Chemical Engineering, Electrical Engineering, Food Technology, Ceramics and Clay Technologies, Information Communication & Technology (ICT) and Mining. https://kirdi.go.ke/