Financing
Routes to ownership, with vetted Kenyan banks.
Precifarm is not a credit broker and does not guarantee approval. We introduce you to the right relationship manager at each partner institution and supply the technical specifications, BOM, and EPRA compliance documents banks require.
Our financing partners
Six routes, tuned to the customer.
Each partner is suited to a different customer profile. Mention Precifarm AI Ltd as your solar provider during your application — we will supply the technical specifications, BOM, and EPRA compliance documents the bank requires.
For commercial and institutional buyers
SMEs, schools, clinics, agribusinesses — bank-led routes for the Commercial package.
KCB Clean Energy Financing
SMEs · schools · health facilities · agribusinesses
Backed by the Green Climate Fund (KSh 12.5bn facility, 2025-26). Terms aligned to customer cash flow.
- Ticket
- Up to KSh 250m secured
- Term
- Up to 60 months
KCB SME Term Loans
Commercial customers without renewable-specific collateral
Standard SME unsecured working-capital and asset-finance facility.
- Ticket
- Up to KSh 3m unsecured
- Term
- Up to 36 months
Stanbic Solar PV Financing
Agribusinesses and SMEs with 12 months of KPLC bills
Tailored for grid-tied, hybrid, or off-grid systems based on energy audit.
- Ticket
- Energy-audit driven
- Term
- Negotiated per case
Co-operative Bank — CO-OP-A-MAJI
Farmers and water-linked SMEs (boreholes, irrigation)
Solar water pumps, heating systems, and related infrastructure.
- Ticket
- Per facility size
- Term
- Per facility size
For salaried customers and SACCO members
Personal loans most often used for the Family package.
Equity Equiloan + Eazzy Loan
Salaried customers buying Family
Equiloan via check-off arrangement. Eazzy Loan instant via mobile for smaller amounts.
- Ticket
- KSh 30k–5m
- Term
- Up to 6 years
SACCOs
Members with payroll deduction
Member development loans, terms vary by SACCO.
- Ticket
- Per SACCO policy
- Term
- Per SACCO policy
Worked examples
The numbers, end to end.
Only the Starter example is a Precifarm-offered payment plan (our M-Pesa 24-month facility). The Family and Commercial examples are customer-arranged with the bank — Precifarm sells those packages cash-only and supplies the documents the lender needs. Figures are illustrative, computed on a reducing-balance basis.
Starter — Precifarm 24-month plan
20% deposit, balance over 24 months at 18% per annum reducing balance. Collected via M-Pesa monthly standing order.
Monthly instalment
KSh 5,472
- Selling price
- KSh 137,000
- Deposit (20%)
- KSh 27,400
- Balance financed
- KSh 109,600
- Term
- 24 months
- Interest rate
- 18% p.a. reducing balance
- Total interest (approx.)
- KSh 21,720
- Total paid over 2 years
- KSh 158,720
Roughly KSh 5,472 per month is comparable to what an off-grid household typically spends on kerosene, candles, phone-charging fees, and occasional generator fuel. Once paid off, the system continues producing power for another 20+ years at zero monthly cost.
Family — customer-arranged personal loan (illustrative)
Precifarm Family is sold cash-only at KSh 373,000. If you spread the cost, you do it directly with the bank — Equity Equiloan, KCB unsecured, or Co-op personal loan. Below: a 36-month secured personal facility at 16% per annum.
Monthly instalment
KSh 9,180
- Selling price
- KSh 373,000
- Deposit (30%)
- KSh 111,900
- Balance financed
- KSh 261,100
- Term
- 36 months
- Interest rate
- 16% p.a. reducing balance
- Total interest (approx.)
- KSh 69,362
- Total paid
- KSh 442,362
Commercial — customer-arranged KCB Clean Energy (illustrative)
Precifarm Commercial is sold cash-only at KSh 1,585,000. Customers typically arrange KCB Clean Energy Financing themselves — KCB partners with vetted providers like Precifarm to deliver and install systems with terms aligned to the customer’s cash flow. Below: 30% deposit, balance over 60 months at 16% p.a.
Monthly instalment
KSh 26,981
- Selling price
- KSh 1,585,000
- Deposit (30%)
- KSh 475,500
- Balance financed
- KSh 1,109,500
- Term
- 60 months
- Interest rate
- 16% p.a. reducing balance
- Total interest (approx.)
- KSh 509,353
- Total paid (incl. deposit)
- KSh 2,094,353
A Commercial customer offsetting roughly KSh 35,000 per month in KPLC bills and diesel generator costs sees net positive cash flow from month one — the loan effectively self-finances through energy savings.
Next steps
From enquiry to commissioning, in seven steps.
- 1
Identify your package — Starter, Family, or Commercial.
- 2
Contact Precifarm to schedule a site assessment (free of charge).
- 3
Receive a custom proposal with confirmed BOM and EPRA documentation.
- 4
Choose financing route — cash, Precifarm 24-month plan (Starter only), or partner bank.
- 5
If using a bank, apply through the partner links above with our documentation attached.
- 6
Installation is scheduled within 7 to 14 days of financing confirmation.
- 7
System commissioned, customer trained, and Neura monitoring activated.
All instalment calculations on this site are illustrative, computed on a reducing-balance basis. Actual rates depend on the lender’s assessment of your credit profile, security offered, and current Central Bank Rate. Precifarm AI Ltd is not a lender, financial advisor, or credit broker, and does not guarantee approval of any third-party financing. Bank product terms change frequently; always confirm current rates and eligibility directly with the lender before signing.
Ready to take the next step?
Tell us your package and the financing route you are considering. We will reply with a written quote and the technical documents your bank needs.