FAQ
Frequently asked questions
Clear answers for SMEs, financial institutions, development partners, and public-sector stakeholders.
Common questions
What does Daraja Guarantee do?
We administer loan guarantee facilities between development finance partners and licensed microfinance institutions. We do not lend directly to borrowers; partner MFIs originate loans that benefit from guarantee coverage, platform reporting, and compliance infrastructure.
Who can partner with Daraja Guarantee?
Development finance institutions, impact investors, and licensed MFIs in our target markets. SMEs access guaranteed credit through accredited partner institutions or the borrower portal — not by borrowing from Daraja Guarantee directly.
Which countries are you active in?
Year 1 pilot operations focus on Kenya · Tanzania · Liberia. The platform is configured for Zambia · Mozambique · Angola as Year 2+ expansion markets.
How is governance and audit handled?
Every financial mutation is recorded in an insert-only audit log. Guarantee claims require segregation of duties. Regulatory data exports follow investment committee approval workflows. See our Governance page for the full framework.
What guarantee products are available today?
First-loss and mezzanine portfolio guarantee facilities are in pilot. Additional structures (including pari-passu arrangements) are documented in our product roadmap and available for institutional discussion.
How do SMEs apply?
Eligible borrowers apply through an accredited MFI partner or via the Daraja Guarantee borrower portal. Applications include KYC, AML screening, and — where available — business registry verification before guarantee terms are disclosed.
How can government or regulators engage?
We provide structured regulatory export packages and transparent portfolio data for supervisory dialogue. Contact us at info@darajaguarantee.com with jurisdiction and scope.
Need more detail? See our products, governance, or contact us.