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Institutions

Who is connected, and what each one asks for

Lenders, insurers, buyers and government bodies that work with Esoko records — what they offer, what they require before they will consider you, and exactly what they would see.

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Requirements, not approvals. Meeting what is listed here means an institution will consider your application. It does not mean it will be granted, and Esoko does not decide. These entries are illustrative pending sign-off from each institution.

Who is connected

I&M Bank

Business lending
Nairobi, Kiambu, Nakuru
KES 30,000 – 500,000
▾

Offers

  • Working capital for registered businesses
  • Stock and invoice finance
  • Group lending for registered chamas

Requires

  • 6 months of Esoko trading record
  • Business registration (BRS)
  • KRA PIN
  • No open disputes

Where & how much

  • Nairobi, Kiambu, Nakuru
  • KES 30,000 – 500,000
What they would see about you: Monthly turnover totals, consistency, credential list and repayment history. Not your customers' names, not individual transactions.

Kingdom Bank

Group and SME lending
Nairobi, Uasin Gishu, Trans Nzoia
KES 50,000 – 2,000,000
▾

Offers

  • Table-banking top-up for registered groups
  • Asset finance for transport operators
  • SME working capital

Requires

  • Group registration (Ministry of Labour)
  • 12 months of contribution record
  • Quorum vote recorded on Esoko
  • Two office-bearers verified

Where & how much

  • Nairobi, Uasin Gishu, Trans Nzoia
  • KES 50,000 – 2,000,000
What they would see about you: Group contribution history, member count, arrears rate and credentials. Not individual members' personal records.

Licensed microfinance and SACCOs

Member and group credit
Varies
By institution
▾

Offers

  • Member loans against savings
  • Short-cycle stock finance
  • Emergency lending

Requires

  • Membership of the SACCO
  • 3 months of Esoko record
  • National ID confirmed

Where & how much

  • Varies
  • By institution
What they would see about you: Whatever you grant, for the period you set. Each institution requests separately.

Britam

Insurance
Nairobi, Turkana, West Pokot
Premiums from KES 300/month
▾

Offers

  • Stock and premises cover for traders
  • Index-based livestock cover
  • Group health and last-expense

Requires

  • Esoko record with a named enterprise
  • County trade permit where applicable
  • For livestock: registered group membership

Where & how much

  • Nairobi, Turkana, West Pokot
  • Premiums from KES 300/month
What they would see about you: Enterprise type, county, sector and credential status. Not your turnover, unless you grant it.

Institutional buyers and offtakers

Supply contracts
Elgeyo Marakwet, Kiambu, Nakuru, Trans Nzoia
Contract value varies
▾

Offers

  • Fixed-term offtake contracts
  • Escrowed payment on delivery
  • Input advances against contract

Requires

  • Business or group registration
  • Verified delivery record for repeat contracts
  • Sector licence where the crop requires it

Where & how much

  • Elgeyo Marakwet, Kiambu, Nakuru, Trans Nzoia
  • Contract value varies
What they would see about you: Your name, county, capacity and delivery history on Esoko contracts. Nothing financial.

Nairobi City County

Permits and licensing
Nairobi
County fees apply
▾

Offers

  • Single business permit application and renewal
  • Food handler certificate booking
  • Market stall records

Requires

  • Esoko account
  • National ID for the permit holder
  • Premises details where applicable

Where & how much

  • Nairobi
  • County fees apply
What they would see about you: Permit applications you submit and their status. Nothing about your trading or finances.

Ministry of Labour & Social Protection

Group registration
All 47
KES 1,000 government fee
▾

Offers

  • Registration under the Community Groups Registration Act, 2022
  • Renewal and amendment of group records

Requires

  • Minimum 10 members
  • Office-bearers named
  • Constitution or group rules
  • Members' ID numbers

Where & how much

  • All 47
  • KES 1,000 government fee
What they would see about you: The group's registration application and member list as submitted.

Business Registration Service

Business registration
All 47
KES 1,050 government fee
▾

Offers

  • Business name registration
  • Company incorporation
  • Annual returns

Requires

  • National ID
  • Proposed name (Esoko checks availability first)
  • KRA PIN for the owner

Where & how much

  • All 47
  • KES 1,050 government fee
What they would see about you: Your registration application only.

Kenya Revenue Authority

Tax records and eTIMS
All 47
Free
▾

Offers

  • PIN registration
  • eTIMS onboarding
  • Compliance status on your record

Requires

  • National ID or business registration
  • Working phone number

Where & how much

  • All 47
  • Free
What they would see about you: Your PIN and compliance status. Esoko does not send KRA your sales.

Judiciary Mediation Directorate

Mediation certification
Nairobi, Kiambu, Nakuru
Free through CECF cohorts
▾

Offers

  • Accredited mediator training for group office-bearers
  • Certification recorded on your Esoko record

Requires

  • Registered group
  • Nomination by the group
  • Two-day attendance

Where & how much

  • Nairobi, Kiambu, Nakuru
  • Free through CECF cohorts
What they would see about you: Attendance and certification only.

Nothing is shared until you say so

An institution sees nothing about you until you grant it, naming that institution and the reason, for a period you set. You can end it at any time by dialling *483*77# and choosing 5. The institution is told; nothing else you hold changes.

For institutions

If you lend, insure, buy from or license small enterprises in Kenya and want to work with verified, consented records, write to partners@esoko.co.ke.

We will ask what you need to see, what you require, and how you would send outcomes back.