This business development loan is available to group members who have graduated to the next level after successfully borrowing in the group up to a maximum of Kshs. 100,000.


Loan Size: Minimum Amount of Kshs. 100,000 and maximum of Kshs. 500,000



  • The members must have borrowed and paid at least 2 micro loans satisfactorily
  • The member must operate an active Micro Transaction Account
  • The members loan must be guaranteed by the other group members
  • Mandatory contribution to the Loan Guarantee Fund of a minimum of Kshs. 500 per week and for loans above Kshs. 300,000 a minimum of Kshs. 1,000 per week


  • 20% cash cover
  • Charge/chattels on movable or immovable property
  • Co-guarantee by the group members
  • A hypothecation of goods over Stocking trade
  • Tangible security for loans above Kshs. 300,000


  • The group can get a top up loan
  • Graduating interest rates
  • Access to Afya Bora Medical Cover
  • Easy payment through mobile banking