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Kenya Industrial Estates > Get Loan
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Kindly fill in the online form on your right for funding. Once submitted, our team will contact you in the shortest time possible. We are here to serve you.

  • Who is eligible for funding?

    Small and Medium Enterprise owners (an individual, a registered group, a limited public company) operating in the Value – addition sector (manufacturing) or service industries with a direct contribution to manufacturing.

  • What are the minimum/ maximum amounts of loan that one can apply for?

    For SMEs – Loan sizes range from Kshs. 500,000 to 14 million, equivalent to a maximum K.I.E LTD expenditure of 70% total investment payable over a period of 3 – 8 years.
    For Micro – Loans (Youths and women groups, JuaKali Operators): Presently, the loan-size obtainable under this scheme is minimum Ksh. 10,000/= and a maximum Ksh. 500,000/=

    What type of business do I need to be in to qualify for a KIE loan?

    • It should be either be a manufacturing business or a service business.
    • It should employ at least 5 people
    • It should be running for at least 2 years to qualify as a working capital loan.

    What minimum/maximum amount of loan can one apply for?

    Lending Programmes

    a) Small & Medium Scale Industries

    Loan sizes range from Kshs. 500,000 to 14 million, equivalent to a maximum K.I.E LTD expenditure of 70% total investment payable over a period of 3 – 8 years

    b) Micro Loans

    Starting in 1982, KIE LTD has established a broad-based micro loans program that addresses the growth needs to the very small informal sector entrepreneurs, locally nicknamed Jua Kali because of their precarious open air operations. Presently, the loan-size obtainable under this scheme is minimum Kshs. 100,000/= and a maximum Kshs. 500,000/=

    Is there grace period offered on KIE loans?

    A one year grace period can be offered for the Small Scale Industry loan programme.

    What is your interest rate?

    Our current interest rate is 10% on reducing balance.

    What are other requirements for applying for a loan?

    • The applicant will be required to provide the following documents
    • Photographs and sketch-map of business location
    • Landed security to cover a minimum of 140% value of the loan requested.
    • Valuation report from a registered land valuer. This will be verified by KIE officers.
    • An original certificate of Official Search from land registry
    • Two credible guarantors
    • Current trading license
    • Current bank statements
    • Copy of PIN certificate of applicant and guarantors
    • In addition to this, the following must also be observed
    1. The business must have a track record (i.e. been operational for at least 2 years.)
    2. The business must be properly appraised by KIE LTD.
    3. The loan must be utilized in financing an industrial enterprise as per KIE LTD policy .
    4. The loan must be for working capital or for purchase of machinery and equipment in which case a quotation should be provided

    What type of security will I need to cover the loan?

    All loans will attract sufficient collateral security whose value is at least 140% of loan amounts

    What expenses will I incur during the loan application process?

    1. Application fee of 1,000
    2. Legal fee of 2% of loan size

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