Financing Instruments & Financing Providers

Business

• Risk assesment.
• lender Marketing.
• Business security.
• Business plan.
• Lender cash flow.

• Certificate of Incorparation.
• Compliance certificates such as Tax clearance.
• TIN, VAT, Business Licence.
• Business plan.
• Identity Card.
• Required collateral.

• Start up working capital.
• Cash flow and income of lenders (higher business cash flow and income the better chance of fund.
• Age of business at least two years experience in the business.

• Certificate of Incorporation, Business registration or Compliance certificates.
• Tax clearance, TIN or VAT number.
• Business license.
• Business plan.
• Identity Card.
• Board resolution / letter.
• Required collateral.

• No, conversional security is required loan tenure of 4 months to a maxmimum of 12 months.
• Be in a group with 5 members.
• Have operational business runnning at least for 6 months.
• Have identification documents (Borrower's documents).

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

• 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.

• Atleast two years farm operation experience.
• Must be Agribusiness Farming.

• 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.

• Tanzanian citizens only, aged between 18 to 60 years old
• SMEs engaged in trading activities and are operating a current account with the bank for the past 12 months.
• Sole Proprietorship/Partnership duly registered
• Limited liability companies duly incorporated
• Applicable to SMEs that have a credit turnover in the current account of TZS 120 million per annum from the date of application out of which at least TZS 60 million in the last six months
• At least three years' experience in operating the same or similar business
• Business should have stable cash flows to meet the monthly obligations of the business
• Applicants must have a proper accounting system and also shows the capability of operating the business profitably.
• Applicants must have a premise (owned or rented)

• 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.

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

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

• Max loan up to <70% of the total expected sales proceeds/realized.
• 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.
• 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.

• Should be a Commercial farming for at least two successful seasons.
• Business should be Registered.
• The business must be located within a location served by a Maendeleo Bank Branch.
• Businesses must have a steady cash flow.
• Applicants must have a premise (owned or rented).
• The borrower must have a business license/permit from local authorities in his or her own name.
• Applicants must have a good reputation in the community.

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

• Up to <50% 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 organization 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.
• 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.

• Existing customers with a good record for at least 3 months
• Employees from reputed corporates with at least 1 year of service
• Three years of work experience overall
• Age Group: 21-58 years
• Minimum Income: TSH 200,000 (net monthly)

• Applicants must be at least 18 years old.
• At least three years experience in operating the same or similar business.
• Businesses must have a steady cash flow, Business licence from authorities in his or her own name.

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

• 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.

• The project must be viable dealing with Agro processing and Agri business including Poultry/Livestock Keeping (Both Working Capital and Investment).
• Growth oriented SMEs who have successfully graduated from SIDO financing program such as National Enterpreneurship Development Fund (NEDF) and Regional Revolving Fund (RRF) with good records and SMEs offered with other SIDO Services/Programs.
• Borrowers must be ready to provide Collaterals apart from guarantee.
• Borrowers must be an adult Citizen of Tanzania residing in the pilot regions.
• Project to be financed must be legally registered.
•  The borrowing Enterpreneurs must possess or ready to open a valid bank account at CRDB Bank.

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

• Start up working capital.
• Cash flow and income of lenders( higher a business cash flow and income the better chance of fund.
• Age of business at least two experienced on business industy.
• Bank should know there customers.

• 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.