Access guaranteed credit for your business
Daraja Guarantee does not lend directly. During the pilot, guaranteed SME, agricultural, and asset finance is arranged through accredited MFI partners in your country.
Online borrower self-registration is not yet open. If your MFI partner has already invited you to the platform, sign in here.
How it works
Five steps from application to funding
01
Register your business
Create an account with your business registration number. We verify against BRELA (Tanzania) or eCitizen (Kenya and Liberia) in real time.
02
Complete your application
Tell us about your business, the loan amount you need, and how you will use it. Choose from SME business loans, agricultural finance, or asset/equipment finance.
03
Upload documents after you choose a partner
Bank statements and supporting documents are collected only after you select a guaranteed offer — not at the start.
04
Get matched to an MFI partner
The platform matches your application to licensed MFI partners active in your country and sector. You see the proposed rate and terms before committing.
05
Track your application status
Log in to your borrower dashboard at any time to see where your application stands — from submission, through credit review, to disbursement and repayment tracking.
Loan products
Three guaranteed loan categories
SME Business Loan
- Loan range
- $1,000 – $250,000
- Tenor
- 6 – 60 months
Registered businesses with 1+ year of trading history
- ✓Business registry verification (BRELA/eCitizen)
- ✓Bank statement analysis
- ✓AML screening at application
- ✓Transparent rate disclosure
Agricultural Finance
- Loan range
- $500 – $50,000
- Tenor
- Seasonal (aligned to harvest cycle)
Individual farmers, cooperatives, and farmer groups
- ✓Flexible repayment schedules
- ✓Farm size and crop type recorded
- ✓Cooperative group structures supported
- ✓Income change tracked as impact indicator
Asset & Equipment Finance
- Loan range
- $2,000 – $150,000
- Tenor
- 12 – 60 months
Businesses purchasing equipment, vehicles, or solar assets
- ✓Vendor invoice captured at application
- ✓Asset serial number recorded for traceability
- ✓Suitable for productive assets only
- ✓Guarantee coverage at asset level
Portal features
What you can do in the borrower portal
Submit a loan application
Choose your loan type, enter business details, and submit in minutes. Automatic AML and registry checks run in the background.
Upload documents
Securely upload business registration, bank statements, and identification. Document intelligence extracts key data automatically.
Track application status
See exactly where your application stands: submitted → under review → approved → disbursed. Real-time status updates.
View active loans
See your outstanding balance, next payment due, and repayment schedule for every active loan.
View repayment history
Full history of all payments made, amounts, dates, and outstanding balance at each point.
Impact self-reporting
Report jobs created and business growth to support your MFI partner's impact reporting obligations.
Ready to explore guaranteed credit?
Apply through an accredited Daraja Guarantee MFI partner, or contact us and we will connect you when pilot lending is available in your market.
Already invited by your MFI? Sign in →