Trade Financing
Trade Financing
Fast and Flexible Financing options for your Local Purchase Orders (LPO).
Our LPO Financing Offers;
- Instant Access to Funds – Fast processing to keep your business moving.
- Flexible Repayment Terms – Customized plans to suit your cash flow.
- Competitive Interest Rates – Affordable financing to maximize your profits.
Requirements to get a Rafiki LPO Financing;
- Valid Local Purchase Order (LPO)
- Business registration documents
- Bank statements (6 months)
- Valid identification (ID/Passport)
A Bid Bond is a bank guarantee that assures tendering institutions of your ability to undertake a project if selected. It’s required during the bidding process and can be a percentage of the tender value or a fixed amount, depending on the institution.
Why choose Rafiki Bid Bonds?
- Quick Turnaround: Ready in under 30 minutes.
- Dependable Service: We’re a partner you can trust.
- Cost-Effective Solutions: Great prices without compromising quality.
Requirements
- Copy of tender document indicating the bid bond required.
- Dully filled Guarantee Request Form.
- Proper KYC to be done. Company ID documents including ID, Pin and
- Certificate of Incorporation/Certificate of Registration.
We ensure contractors deliver as promised, protecting your investment and giving you peace of mind.
- Guarantee Amount
Maximum: KES 45,000,000 - Maximum Term
12 months
Why choose Rafiki Bid Bonds?
- Turnaround time: Complete processing within one hour
- Open to non-account holders.
- Guarantee accepted by any procuring entity in Kenya.
- Rafiki Microfinance Bank licensed by CBK and PPOA.
Target
Individuals, corporates, registered businesses, contractors, suppliers
Purpose
Secure bids for projects and contracts
General Eligibility
Open to both account holders and non-account holders.
Requirements
- Copy of tender document indicating required bid bond.
- Completed Guarantee Request Form.
- Proper KYC documentation.
- Company ID documents including ID, PIN, and Certificate of Incorporation/Registration.
A fully secured assurance from Rafiki that covers a debtor’s liabilities, helping businesses access working capital, acquire assets, or secure loans. It empowers growth and expansion with confidence.
Release of Funds
Funds released to client upon written instructions from employer/procuring entity.
Features
- Guarantee Amount Maximum: KES 45,000,000 or 5% of core capital.
- Maximum Term 12 months or as approved (dictated by procuring entity/employer)
- Access to Funds for Projects: Enables utilization of resources that might otherwise be unavailable
- Fast Processing: Guarantees processed within one day (depending on security requirements)
- Widely Accepted: Recognized by any procuring entity in Kenya
- Reliable & Licensed: Provided by a CBK- and PPOA-licensed institution
Benefits
- Access to Project Resources: Enables clients to secure resources and funding for otherwise unavailable projects.
- Rapid Turnaround Time: Highly efficient process, typically completed within one day (depending on security perfection).
- Licensed by CBK and PPOA: Guarantees officially accepted by any procuring entity in Kenya.
Target
Individuals, corporates, registered businesses.
Purpose
Ensure appropriate use of pre-paid contract funds
Who can apply?
- Rafiki account holders with a clear CRB report
- Must have a signed contract or committed obligation
- Not on Rafiki’s prohibited list
Key Documents Needed:
- Guarantee Request Form & copy of contract
- 12 months bank statements
- Proof of past contracts or completed projects
- IDs & PINs of authorized signatories
- Business map and company profile
For registered companies:
Board resolution, certificate of incorporation, Memorandum & Articles of Association, company PIN & tax compliance certificate
We guarantee payment to your suppliers while giving you control, credibility, and reduced pre-payment risks—perfect for international and long-distance transactions.
Key Features & Benefits:
- Maximum Amount: Up to KES 35,000,000.
- Ensures seller payment upon document presentation.
- Gives buyers control over shipping timelines.
- Reduces or eliminates pre-payment requirements.
- Enables credit from sellers for delayed payments.
Who Can Use It?
- Individuals, corporates, and registered businesses.
- Designed to secure domestic and international commercial transactions
Required Documents:
- Completed LC request form.
- Proforma invoice of goods.
- Cash flow projections showing LC settlement funds.
- 12 months bank statements.
- Track record documentation: past awards, ongoing contracts, completion certificates.
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