01BANK
Commercial banks
For operating businesses with verifiable turnover, credit history and sufficient collateral.
21–24% per year
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KIR CONSULTING · CAPITAL ADVISORY
Financing that fits your business
We identify viable sources of capital, conduct a preliminary borrower assessment and explain the amount and terms a business can realistically target.
COST INDICATIONS
Three pricing ranges
≈ 12.6%
Subsidised programmesaverage annual indication
21–24%
Standard bank lendingannual indication
from 2.5%
Investors and MFIsper month
Rates are indicative. Final terms are set by the financing institution after reviewing the borrower, purpose, term and security. A monthly rate of 2.5% is approximately 30% nominal per year before fees and compounding.
SOURCES OF CAPITAL
Financing channels we work with
We compare available instruments and select those that match the business stage, sector, turnover and collateral position.
02DAMU
Damu Entrepreneurship Fund
Subsidy and guarantee instruments delivered in conjunction with banks. We identify the programme and prepare the project for review.
Preferential termsOfficial terms ↗
03ACC
Agrarian Credit Corporation
Financing for agriculture, processing and other projects in the agro-industrial sector.
Subject to ACC programmeOfficial terms ↗
04IDF
Industrial Development Fund
Leasing and financing instruments for equipment, production lines and industrial modernisation.
Subject to IDF programmeOfficial terms ↗
05PRIVATE
Private investors and MFIs
Flexible instruments where speed matters or conventional bank financing is not yet available.
From 2.5% per month
PRELIMINARY SCREENING
First, we establish whether the business qualifies
A complete business plan is not required for the initial review. Answers to key questions and core financial documents are enough.
Purpose and amount
What the funds are needed for, the required amount and preferred term.
Borrower or guarantor
An operating business or a guarantor with verifiable turnover.
Security
Available collateral, its type, ownership and indicative value.
DOCUMENTS
What we need for the initial review
These documents allow us to assess repayment capacity, debt burden and the realistic value of security.
Do not send confidential documents through the open form. After initial contact, we will agree a secure method for transferring files.
Bank statements for 2025 and 2026
For the operating LLP, sole proprietor or guarantor.
Credit history report
A current report for the LLP or sole proprietor.
Collateral documents
A valuation report or title documents for the asset.
Financing parameters
Purpose, amount, term and a short description of the business or project.
EXPRESS QUESTIONNAIRE
Request a preliminary assessment
Provide the core parameters. We will identify which financing source is worth considering and what documents are needed next.
OUTCOME
What you receive after the review
The preliminary opinion does not replace a creditor decision, but it provides a realistic route towards application.
READY TO APPLY
An application and supporting package can be prepared.
CONDITIONALLY ELIGIBLE
Specific issues need to be resolved.
STRENGTHENING REQUIRED
A guarantor, additional security or revised amount is required.
NOT YET ELIGIBLE
We explain the reasons and a possible preparation plan.
HOW WE WORK
From screening to application
Review
Purpose, amount, turnover, debt burden and collateral.
Select
Bank, Damu, ACC, IDF, private investor or MFI.
Prepare
Financial model, business plan, feasibility study and application when required.
Support
Answer questions and update materials through to a decision.
FREQUENTLY ASKED QUESTIONS
Before the first consultation
Do you guarantee financing approval?
No. The decision is made by the bank, fund, MFI or investor. We assess the project, prepare documentation and support the review.
Can I approach you without a business plan?
Yes. Financing parameters, bank statements, credit history and collateral information are sufficient for the initial review.
Are there options if collateral is insufficient?
Depending on the project, a guarantee instrument, guarantor, additional security or private financing may be considered.
Is the displayed rate final?
No. The page provides indications only. The final rate and total cost are determined by the financing institution after review.
KIR CONSULTING · CAPITAL ADVISORY
Start preliminary assessment
Find out what your business can realistically access
Start with the express questionnaire to address the main questions before the first meeting.
KIR Consulting is not a bank, microfinance institution or state fund, does not issue loans and does not guarantee approval. We provide advisory services for project assessment, preparation and support.