ACCESSIBILITY
K-LIFT loan facility will be available to any person from any part of Kenya who is earning a living from the livestock industry. This is whether one is involved in production, processing or marketing of livestock p

roducts or any other livestock related activities.
The loans are available to individuals, partners, companies, organized groups or Co-operative Societies involved in livestock business.
You qualify for K-LIFT Financial support if you are involved in any of the following businesses:-
- Livestock Farmer (activities supported are for example, buying of high quality dairy animals, construction of zero grazing, pastoralist, broiler or egg production, dairy goats, rabbits keeping, pig keeping, purchasing of equipments or machines necessary for production, etc.)
- Animal Health Service providers (veterinarian or Animal Health Technicians)
- Artificial Insemination.
- Agro-vet shops.
- Milk Processors
a. Buying raw milk, cooling, pasteurization, yoghurt/mala production, cheese making, etc.
b. Milk bar.
- Manufacturer of animal feeds.
- Co-operative Society offering support to Livestock Farmers.
- Livestock Traders.
- Dealer in Hides and Skins especially through value addition to finished products.
- Honey Processor or Producer.
- Fish farming, processor or fishing.
- Procurement of Assets required for livestock Enterprises e.g. motorcycles, etc.
As long as one is dealing with a business involving livestock then K-LIFT is your partner in offering you affordable credit.
LOAN CEILING
The loan ceilings will depend on the type of product desired subject to maximum of Ksh 1.2 Million.
First time loaneesThis will vary from a ceiling of Kshs.20,000 to Kshs.500,000 depending on the risk profile of the applicant.
After successful repayment of the first loan, the ceiling will be up to double of the value of the first loan depending on client's ability to pay, credit worthiness and available collateral.
REPAYMENT PERIOD
Short term loans = 3 to 12 months
Long term loans = 18 to 36 months.
INTEREST RATES
These are competitive from as low as 1.5% per month.
SECURITY
- Title deed for land or property in urban or rural area.
Declaration of Pledge-This is for loans of below Kshs.200,000/=. The title deed will be processed but no valuation or charging on the title will be done. This helps in reducing the cost of accessing the loan.
Charge on Title Deed-This is for loans above Kshs.200,000/=. The title will be valued and charged. The clients meets the cost of these activities.
- Chattels mortgage for a motor vehicle, motor cycle or other immovable properties. This is accepted only as a top up to other securities.
- Third party guarantee. A Registered Power of attorney should be obtained for such a guarantee or formal guarantee signed by guarantor in front of a lawyer.
- Livestock – In using livestock as collateral, the applicant must belong to a registered group of farmers as in specified under Group Guarantee below.
The animal must also be insured with Co-operative Insurance Company of Kenya (CIC).
- Veterinary Product stock in an agrovet (Hypothecation). Agrovet must have been in stable business for a minimum of 6 months and keeping proper business records. The stock must be valued.
- Group Guarantee – Group must be registered with Ministry of Social Services and will have existed for a minimum period of 6 months. They must have a common bond of livestock keeping and marketing their produce through the group.
INSURANCE
This is an arrangement with Co-operative Insurance Company of Kenya (CIC).
Livestock
All livestock purchased through K-LIFT loans must be insured during the life of the loan. Insurance is charged at 4% per annum on the value of the animal
Client Insurance Any client with a loan from K-LIFT is insured for death and either temporary or permanent disability.