Its almost unanimous, the number one problem facing everyone before starting farming or any other business is CAPITAL! We have highlighted below some of the ways you can get money to start your agribusiness.

Bank Loans

The most common way people get capital to finance their enterprise is through bank loans. You open an account with a bank of your choice, have it operational for a minimum of six months and you are good to go! You will be given a loan depending on the amount of money you have been banking monthly at your bank. Unfortunately since most graduates do not have an income to deposit regularly in a bank we have a solution that can still help you get a loan from your bank. If you completely don’t have any source of income or capital for farming you can look for atleast ten people (this is the minimum number of people to form a youth group in Kenya)you know, who are aged between 18-35 years and form a youth group(Youth group registration services are done at Huduma centers all over Kenya). By doing this your youth group can easily get funding from banks by raising only 30 % of the money being asked for

Government Youth Funding

 The Kenyan Government has launched various funding programmes that have been designed to specificaly target the youth. Examples of these programmes include the Uwezo fund and Youth fund. Individuals though have to meet certain requirements for them to be eligible for funding. The relevant information for this can be found here. These funding solutions can therefore go along way in jumpstarting your farming business.

Family and Friends

One good source of business financing that is often overlooked is money from relatives and friends. A gift is one of the simplest ways of getting capital for a business. A friend or family member might decide to offer you a gift of money to help out start a business or you might initiate the process by asking. Though asking your friend or family member for a gift of money may seem impolite, when its a startup business, it can make sense.

Business Loans From Family and Friends

You can also ask for money from a friend or family memebr with a promise to pay it back. Its usually in accordance with certain terms and can be done with interest or without interest. After asking for the money you promise to pay it back, over a set time period, and in accordance with certain terms. For the sake of friendship and family ties it is always best to handle this kind of loan the same way a bank would. This means it has to include a signed agreement which is called a promissory note and a time period you will pay back the loan.

Equity Investors

This is another way you can raise money to start a business.This methods gives you the opportunity is to give away part of your business to an “equity investor.” An equity investor can either be a friend or a family member. This will make you co-owners and thus share any net profits or losses generated by your business.

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  • Graduate Farmer

    Empowering Ambitions, Cultivating Success: Graduate Farmer is dedicated to inspiring and equipping young men and women with practical solutions to kickstart and thrive in profitable agribusiness ventures across Kenya.

Comments (9)

  • Dennis February 9, 2015 Reply

    This is so informative. I really like the fact that you are focusing on farming as this is an area that has a lot of potential. keep up with the good work.

  • lydiah N kariuki May 22, 2015 Reply

    you doing a good job.I would like yo get to serious farming of any horticultural crop but have no fa
    rm and capital.Where do o start?

    • Solomon Mwangi November 17, 2015 Reply


  • Judy July 27, 2015 Reply

    awesome tips…thanks

  • Hubert kabango August 3, 2015 Reply

    Thank you for the very educative tips you’re giving us, I want to start pig, poultry, rabbit & bee keeping in my local area because labour n materials used are cheap, my problem is marketing the 3 in rabbit, pig n honey how can I get proper market considering I want to set up the project in remote of Nyamira County

  • Solomon Mwangi November 17, 2015 Reply

    Solomon from Nanyuki I have an answer for you. Talk to me. 0723226312

  • anonymouse March 25, 2016 Reply

    How do I join??

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