Financing Instruments and Financing Providers

Loan provided to acquire assets

• 12 months business turnover

• Executed Board Resolution

• KYC documents
• Three years financial statements + Management accounts
• 12 months Bank statemement
• Company profile

The purpose of this facility is to support with cashflow requirements.

All business.

• Detailed company profile

Audited Financial statements -Clients & Customer for the last (3) years

Bank Statement from the Principal Banker for the last (12) months

Company Profile

Details of Facilities with other financial institutions

List of key clients

Details of executed contracts with key clients

Account opening documents

Security covering 125% or more of the total loan (legal mortgage, cash, treasury bills)

The aim is to support cashflow requirements.

All business.

• Detailed company profile

Audited Financial Statements – For the past three (3) years (for both clients and customers, if applicable).

Bank Statements – From the principal banker for the last twelve (12) months.

Details of Existing Credit Facilities – With other financial institutions, including amounts, terms, and security.

List of Key Clients – Names and brief descriptions of major clients.

Details of Executed Contracts – With key clients, including contract values and durations.

Account Opening Documents – Complete set of documents required for opening a corporate account (e.g., certificate of incorporation, board resolution, tax registration, ID copies of directors/shareholders, etc.).

Financing Agricultural inputs for farmers (based on cashew nut farming)

3 Years of AMCOS operations

• Executed Board Resolution

1. Application letter
2. Certificate of Registration
3. Bank Statement for 3 years
4. Registrar's endorsement letter
5. Upcoming season harvest/revenue Projection
6. IDs of AMCOS leaders
7. Site visit confirmation/Call back whichever is applicable
8. Beneficiary details (depending on loan purpose)
9. Branch Manager recommendation via email detailing the below.

Short term financing to enable traders to stockpile, clear custom duties and other sales overhead

FMCG Traders

• Copy of National Identity card

• 1 year Bank Statement
• KYC document
• Application letter

The purpose of this loan is to cover family needs.

The borrower must have stable employment or a reliable source of income.
They must have two guarantors with valid identification.
They must provide a letter from their employer.
They must submit salary slips for the past three months.
They must have a good loan repayment history.

• Copy of National Identity card

Letter from their employer.

Recent passport-sized photos.

Employment contract.

Payment slips for the past three months.

The loan is designed to help individuals meet personal needs.

The borrower must have stable employment or a reliable source of income.
They must have two guarantors with valid identification.
They must provide a letter from their employer.
They must submit salary slips for the past three months.
They must have a good loan repayment history.

• Copy of National Identity card

Letter from their employer.

Recent passport-sized photos.

Employment contract.

Payment slips for the past three months.

The purpose of this loan is to start, operate, grow, and expand a business.

The applicant must have two guarantors with valid IDs, a business plan showing expected profitability, and acceptable collateral.

• Copy of National Identity card

Entrepreneur's identification card.

Introduction letter from the market.

Working capital for construction works (purchase of construction equipment for the project)

1. More than two tender contracts, POs, invoices, LPOs
2. Physical business office
3. Physical project area

• Copy of National Identity card

1. KYC for clients like IDs
2. Business KYC like TIN, Tax clearance, Board of contractors, etc
3. Business cash flow like a bank statement, an audited financial statement, a mobile statement, an invoice
4. Collateral document, like a card for a vehicle or a title deed

The loan is designed to help in financing school and university fees.

The borrower must have stable employment or a reliable source of income.
They must have two guarantors with valid identification.
They must provide a letter from their employer.
They must submit salary slips for the past three months.
They must have a good loan repayment history.

• Copy of National Identity card

Letter from their employer.

Recent passport-sized photos.

Employment contract.

Payment slips for the past three months.