For SMEs & borrowers
Affordable credit, with guarantee-backed transparency
Daraja Guarantee does not lend directly. During the Year 1 pilot, guaranteed credit is arranged through accredited MFI partners — not via open public self-registration.
Eligibility
Who can benefit
Guaranteed credit is delivered through partner MFIs in pilot and platform-ready markets.
SME enterprises
Working-capital and growth finance for registered businesses with verifiable operations and KYC.
Agricultural producers
Seasonal and input finance with harvest-aligned repayment structures where partners offer agri products.
Asset & equipment finance
Lease and asset-backed facilities for productive equipment through accredited partner lenders.
Process
How it works
A structured journey from application to disbursement.
- 1
Contact an accredited Daraja Guarantee MFI partner in your country, or reach out to us to be connected when pilot lending opens in your market.
- 2
Complete KYC and business documentation with your partner institution.
- 3
Registry verification and AML screening run against in-country data sources where available.
- 4
If approved, you see guaranteed rate and coverage disclosure before accepting loan terms.
- 5
Disbursement via partner channels, including mobile money in Kenya, Tanzania, and Liberia where enabled.
Interested in guaranteed credit?
Apply through your MFI partner, or contact us and we will guide you to the right channel for your country.