How to apply for Kenya Industrial Estates loans for small businesses

Funding! Every entrepreneur in Kenya needs funding for their startups but do you know where to get it? Let’s try the Kenya Industrial Estates loans.

The Government of Kenya has been very instrumental in helping small and medium enterprises (SMEs) grow in terms of providing funding, technical support, machinery and incubation. Case in point, The Kenya Export Business Accelerator Programme.

One of the Government agencies helping entrepreneurs, like you, is the Kenya Industrial Estates (KIE), HQ’d in South B, Nairobi. They have 34 other branches in towns across Kenya.

The Kenya Industrial Estates was established to facilitate development and incubation of micro, small and medium enterprises (MSMEs) countrywide by establishing industrial parks, providing credit and business development services in a sustainable manner.

Kenya Industrial Estates loans range from Sh100,000 to Sh500,000 repayable over three to eight years. The loans provided are for machinery, equipment and working capital.

Types of Funding

Credit Facilities

KIE provides affordable medium to long-term finance to micro and small enterprises for the purchase of machinery, equipment and working capital. This is either for start-ups, expansion, modernization or rehabilitation focusing on priority sectors identified in Vision 2030.

Special Credit Facilities for Marginalized Areas

This product is availed in marginalized areas with favourable terms and conditions

Top-up Loan Facilities

This is a product targeting the existing KIE clients (loanees, mortgages and tenants) who have/had good credit record and have potential for growth and wish to acquire additional capital or financial assistance

Bid Bond Facility

A bid bond is issued as part of a bidding process by the surety to the project owner, to guarantee that the winning bidder will undertake the contract under the terms at which they bid. KIE charges for this service at a negotiable rate.

Performance Bond Facility

For this product, KIE has set aside funds in a commercial bank to facilitate performance bid bond facility to its ‘A’ Rated Clients.


Now, the requirements below are for SMEs looking for upto Ksh 500,000 loan for their business. We will post another article on the requirements for the other types of loans. Check out no 8 and 9 and laugh a little bit.

  1. Current certified Bank statements
  2. Quotation/Invoice for items to be funded by KIE Loan
  3. Current trade License/Local Authority single business permits where applicable
  4. Current professional licenses where applicable
  5. 3 copies of identity card for all owners of the business
  6. 3 copies of passports photographs for the applicant
  7. Copy of Pin Certificate of applicant and guarantor
  8. Copy of spouse ID
  9. Copy of marriage certificate/ copy affidavit of marriage
  10. Copies of name business registration certificate.
  11.  Sketch map of the business.
  12.  Sketch map of applicant’s residence& security guarantor
  13. Photograph of security.
  14. Photograph of operations of the business.
  15. Audited books of accounts &Management accounts where applicable
  16. Credit Reference Bureau Report