State & County Funds

These are specialized funds created to extend affordable credit to: Youths, Women & p.w.d led enterprises at the national or constituency levels.

Minimum Loan Requirements:
  • Group Registration certificate by the social services department (SSD).
  • Attend free appraisel; training by the loan provider covering:
  1. Business plan writing
  2. Table Banking
  3. Record Keeping
  4. Constitution drafting
  5. Generation of strong ideas
  6. Leadership


Available Services:

  1. Loans for women, youth, and persons with disabilities led enterprises at the constituency level.
  2. Capacity building forums
  3. Market linkages



  • 16th-floor Lonhro house standard street Nairobi Kenya



2. K.D.C (Kenya Development Corporation)

K.D.C was formed by the merger of industrial and commercial bank capital ltd (IDB) to provide finance and business support to medium and large-scale industries in Kenya.


Available services:

  1. Financing and Business support to medium and large-scale industries in Kenya.
  2. Training assistance for entrepreneurs undertaking an expansion of industrial and commercial enterprises.
  3. Market leads for goods or products made in Kenya.




  • 18th-floor Uchumi House Towers, Nkrumah Avenue



  • Tel: +254-727-534-572




  • Email
  • Website:

Available Services:

  1. Loans to youth-owned enterprises
  2. Market support to youth enterprises.
  3. Market linkages to youth-led businesses.
  4. Bind Bond and LPO Financing for youth-led companies.
  5. Entrepreneurship and Business Development Training.
  6. Constituency Based loans facilities to individuals youth and registered groups



  • 4th Floor renaissance corporate park. Elgon road upper hill Nairobi Kenya


Contacts :


Available Services:

  1. Loans to women-led enterprises
  2. Loans to women groups
  3. Capacity building
  4. Market support and linkages
  5. Bind Bonds and LPO financing for youth-led companies.



  • 11th Floor, NSSF Building Block an Eastern wing Nairobi –Kenya



  • Tel: 0714606845 /0793-324820
  • Website:

This is an 850 million fund targeting the youth, women and persons living with disability to create decent wealth and those in small, medium enterprises to access Financial and non-financial assistance.




  1. Enterprise loans at a negotiated interest rate of 7.5% which is lower than what most financial institutions offer.



  • SBM Bank Branches.
  • Diamond Trust Bank Branches.
  • Stanbic Bank Branches.
  • C.B Bank Branches.
6. K.I.E (Kenya Industrial Estates LTD)

K.I.E LTD was established in 1967 as a subsidiary of Industrial and Commercial Development Corporation (ICDC) to promote indigenous entrepreneurship by Financing small scale and micro enterprise in Kenya


Available services:

  1. Loans to establish micro, small & medium industries (MSMEs)countywide.
  2. Affordable medium to long-term credit to MSMEs for the purchase of machinery, equipment and working capital. For a start-up, expansion, moderation, or rehabilitations, focus on priority sectors identified in vision 2030.
  3. Bid Bond and performance bond facilities
  4. Incubation, advisory, guidance services for those keen on starting small industries in Kenya
  5. Ready spaces, Business center with flexible shared utility provisions e.g. management /technical supports accounting, legal, secretarial, internet and

Networkings etc.


Location :

  • Likoni/Lusingeti Road

Nairobi, industrial area



       +254-736 310 416


7. IDB capital limited

IDB capital LTD is a development finance institution established by the government of Kenya on 12th January 1973, as a vehicle to further economic development amongst Kenyans and assist in the promotion, Expansion & modernization of medium to large scale industrial enterprises


Available services:

  1. Project financing (60-70 % of project cost with a minimum amount of 5 million up to Ksh 200 million)
  2. Flexible asset finance facility with competitive interest Rates
  3. Working capital facility –payable in up to 36 months(minimum lending amount is ksh 5 million)



  • 18th Floor National Bank Building

Harambee Avenue

P.O box 44036-00100 Nairobi Kenya


8. I.C.D.C (industrial & commercial development corporation)

ICDC was established in 1954 to facilitate the industrial and economic development of Kenyans by aiding in the initiation, assistance, and expansion of industrial and commercial undertakings.

As a development finance institution I.C.D.C falls under the ministry of industrialization, trade & enterprise development. 


Available services:

  1. Financing for the establishment of industrial and manufacturing enterprises
  2. Loans facilities, asset financing, lines of credit, bridging, finance, and contract financing for the expansion of industrial and commercial enterprises
  3. Infrastructure for the formation of partnerships and joint ventures to undertake a specific activity for an agreed period
  4. Strategic partnerships with companies that have strong growth potential and a demonstrated ability to earn solid profit margins but lack the security to access loans


  • Uchumi, House (18th Floor)

P.O Box 45519-00100

Aga Khan Walk


  • Tel +254-020-2229213/0202771000

        +254-727-534 572



Stawi is a mobile loan App that offers unsecured financing to small and medium scale enterprises (SMEs) in Kenya. This loan facility is an initiative of the central bank of Kenya. Partnering banks include: N.C.B.A, Co-op Bank Diamond Trust Bank (DTB), K.C.B Bank and NIC Bank.


Loan Requirements:

  • Registered mobile number
  • Kenyan ID Card or Valid Passport
  • Email address
  • Business permit or registered Business
  • Your Business should have been operating for a minimum of 6 months.
  • Turnover of Ksh. 30,000-250,000



  • App available from Google play store
  • More information available from the 5 participating banks