Financing Instruments & Financing Providers

Grofin provides funds to business, encompassing the necessary assistance, guidance, mentoring, handholding, coaching and value addition in business. Specialized in agri-finance, Business Development, Capacity building, Food security, production and value chain development.

• National Identity card.
• Document that seeking for a project must be legal.
• Place for residence with local authorities and must be known by local leaders

This loan was designed to boost farming projects and/or the value chain, expand production and supply for more profit by partnering with Maendeleo Bank

• Farming with experience of at least two seasons.
• Should have business records or transactions receipts.
• Holder Maendeleo Bank account.

• Introduction letter from village officer.
• Identity card (voter / National ID).
• Bank statement for 12 Months.
• Certificate of registration.

FSDT looks at the transactions between the agriculture sectors and depth of usage of financial product and services for Improving productivity

• National Identity card.
• Document that seeking for project must be legal.
• Place for residence with local authorities and must be known by local leaders.

The product combines credit and insurance products to help farmers prepare for risks to their livelihoods, also improves farmers resilience, and helps to provide for household needs, through (Biashara loan, Jiendeleze loan,Uzalishaji loan, Kilimo loan).

• National Identity card.
• Document seeking for project must be legal.
• Place for residence with local authorities and must be known by local leaders.

Loans offer adequate and timely financial support to farmers to enhance their agricultural activities: Inputs supply, Labor, Farm Equipment, Investments etc.

• Be a Tanzanian of more than 18 years old and are cultivating.
• Be able to submit collateral, such as livestock, home and business items, house, motor vehicles, etc.

• Voters ID, passport, driving license.
• Introduction letter from Ward/Village letter.
• Business license.

Anza Growth Fund provides capital leases to our entrepreneurs, giving them the necessary funding and tools they need to expand their businesses. Our financing is more affordable and flexible than other forms of capital available to our entrepreneurs in Tanzania.

• Must be Anza client accelerator.

Finance purchase of assets for facilitating agriculture mechanization like tractors, harvesters, planters, irrigation equipment, or technology to increase productivity and value addition.

• Up to 75% of the total expected revenue
• At least three years actively engaged in the selected agriculture value chains consecutively with a reliable production cycle.
• Registered farmer entities or individual farmers guaranteed by their organizations with a mandate to borrow.
• Verifiable production and sales data of the agriculture/livestock products for at least three years.
• Demonstrated adherence to good governance and management.
• Have a well-operated bank account where applicable.
• Private companies/ other registered entities supporting smallholder farmers in the selected agriculture value chains.
• Other information may be required by the bank during loan appraisal.

A. Farmers:

• Introduction letter from AMCOS leaders, Association or Farmers group.
• Certificate of ownership of the land Title deed/ (Traditional).
• Business license.
• Voter Identity card / National identity card.
• Business Plan.
• Current credit flow.
• Required collateral

B. Traders:

• Business license.
• Voters Identity card / National identity card.
• Business plan.
• Verified Required collateral.
• Current credit flow.
• Bank statement.

To enable boda boda to own thier own motorbike

For improving business

• Be 18 years or older.
• Tanzanian citizen with permanent resident or a foreign with a work permit.
• Have current account with Stanbic bank and bank statements for the recent 6 months.

• Application form.
• Bank statement.
• Business plan.
• Business registration documents.

AgDeCo focuses on raising debt and equity for commercial investment. It also provides technical assistance through its specialist teams and Smallholder Development Unit (SDU).

• Enterprise which has passed the startup phase.
• With a clear business growth path.

• Business plan.
• Bank statements.
• Business registration documents.
• List of existing and potential customers.

FINCA Microfinance Bank Limited offers business and invest grow fast in future. Loan products are simple and designed to the unique needs of each customer. Once approved for any of loan products, you can access the funds within three working days.

• National Identity card.
• Document that seeking for project must be legal.
• Place for residence with local authorities and must be known by local leaders.

This loan is designed for individuals, giving them access to business improvement training at very good discounts.

1. Be an active account holder with Equity Bank
2. Submit loan purpose for financing business working capital and operational needs
3. Submit loan applications within a reasonable time
4. Be able to clearly demonstrate existence of other sources of income that could be used for loan payment

To facilitate women’s working capital, operational costs and to help them scale their businesses.

1. Be an active account holder with Equity Bank
2. Submit loan the purpose (financing business working capital and operational needs)
3. Submit loan applications within a reasonable time
4. Be able to clearly demonstrate existence of other sources of income that could be utilized for loan payment

Finance agriculture value chain infrastructure requirements such as building irrigation schemes, modern storage warehousing, farm expansions, and other long term agriculture infrastructure loan requirements

• Max loan up to 75% of asset cost.
• At least three years actively engaged in the selected agriculture value chains consecutively with a reliable production cycle.
• Registered farmer entities or individual farmers guaranteed by their organizations with a mandate to borrow.
• Verifiable production and sales data of the agriculture/livestock products for at least three years.
• Demonstrated adherence to good governance and management.
• Have a well-operated bank account where applicable.
• Private companies/ other registered entities supporting smallholder farmers in the selected agriculture value chains.
• Other information may be required by the bank during loan appraisal.

A. Farmers:

• Introduction letter from AMCOS leaders, Association or Farmers group.
• Certificate of ownership of the land Title deed/ (Traditional).
• Business license.
• Voter Identity card / National identity card.
• Business Plan.
• Current credit flow.
• Required collateral

B. Traders:

• Business license.
• Voters Identity card / National identity card.
• Business plan.
• Verified Required collateral.
• Current credit flow.
• Bank statement.

Term loans not exceeding ten (10) years for short, medium and long term investment in agriculture production, agriculture mechanization equipment purchase, warehouse/storage facilities construction, irrigation systems, processing units, and other agribusiness related investments.

• A year old registered and licensed existing business existing Business.
• Business premises.
• NMB Bank account  holder or provide a printed bank statement for a non NMB Bank account holder.

These are loans designed to boost the projects owned by religious institutions while planning to pay periodically

• Should have an account with Maendeleo Bank.
• Should pledge security.
• Religious institution which are not profit-oriented.

• Have identification documents (Borrowers documents).
• Deposit savings to operational account.

Financing young hustlers.

EAS provides loans and equity to growing businesses and producers in the agricultrual sector of Tanzania, specifically animal feed production and fruits, vegetable and spice processing

• Enterprise which has passed startup phase, with clear business growth path

• Business plan.
• Bank statement.
• Business registration documents.
• List of existing and potential customers.

SACCO loans are special and unique established to manage and expand Cooperative Savings and Loans organizations.

• Should be fully registered by the register of cooperative.
• Must provide a resolution bay annual general meeting (AGM) or a clause in the SACCO'S Constitution that allows leaders of the SACCOS should guarantee the SACCOS.

• Have identification documents (borrowers' documents).
• Depost savings to operational account.

• Applicants can borrow from TZS 500,000 to a maximum of TZS 50,000,000;
• It provides funds for working capital and micro investment needs;
• Competitive interest rates and affordable terms;
• The bank provides advisory services to borrowers;
• Borrowing can be secured against traditional or nontraditional securities;
• Repayment period is up to 24 months to accommodate the pressures and needs of micro and small entrepreneurs in line with their cash flow

Eligibility & Requirements

• Applicants must be at least 18 years of age;
• At least 6 months experience in the same business;
• Must be located within the vicinity of CRDB branch;
• Must have a steady cash flow;
• Applicants must have a premise owned or rented.
• Applicants must open or have a business account - HODARI Account.