Find your match
Capital in Kenya isn't scarce — the right capital for your stage is. Matching means saving the months you'd spend pitching to people who were never going to fund you anyway.
What this step covers
- Stage and ticket-size matching: bank, SACCO, angel, PE, diaspora, DFI, or grant.
- Sector fit and mandate fit, including geographic and impact criteria.
- Warm intros from our network — not cold emails into investor inboxes.
The detail
Capital sources in Kenya — who fits what stage
| Source | Ticket size | Best for |
|---|---|---|
| Family & friends | KES 100k – 2M | Pre-revenue, idea stage |
| SACCOs | KES 200k – 10M | Established member with savings history |
| Microfinance (KWFT, Faulu) | KES 50k – 5M | Micro-enterprises, women-led businesses |
| Banks (term loan / overdraft) | KES 1M – 100M+ | Profitable SMEs with collateral or contracts |
| Asset finance (CIC, Stanbic, NCBA) | KES 1M – 50M | Vehicles, machinery, equipment |
| Angel investors | KES 1M – 20M | Early-stage with traction, scalable |
| Venture capital | KES 20M – 500M+ | Tech-enabled, high growth, large market |
| Private equity | KES 100M – 5B | Established SMEs with EBITDA > KES 30M |
| DFIs (IFC, Proparco, AfDB) | USD 1M+ | Impact-aligned, ESG-ready, larger ticket |
| Grants (Hub, AECF, GIZ) | KES 500k – 50M | Innovation, climate, women & youth |
Apply to no more than 5 sources at once. Quality of preparation beats quantity of applications every time.
Frequently asked
Should I raise from multiple sources at once?+
Yes — competing offers give you leverage on terms. But only run a parallel process if your data room can handle multiple diligence streams simultaneously.
Do I need to pay anyone to introduce me to investors?+
Be very careful. Legitimate intros from advisors are part of an engagement; standalone 'connection fees' or upfront retainers promising guaranteed funding are a common scam in the Kenyan market.
The information in this guide is provided for general guidance only and is subject to change. Fees, timelines, and regulatory requirements in Kenya are updated regularly. Before acting, please confirm details with the relevant authority (KRA, eCitizen, BRS, county government, or other regulator) or speak with a qualified MyBiashara advisor. MyBiashara is not liable for decisions made solely on the basis of this content.
