Capital built around your school's calendar.
Structured financing for registered Kenyan school directors — not rigid bank practices. We understand school cash flows, term cycles, and the realities of running a growing institution.
Request School Financing
Tell us about your school. We'll be in touch within 48 hours.
✅ We call back within 48 hours
⏱ RM visits your school
🏦 Licensed Kenyan lender since 2019
This is structured institutional financing. Your school must be registered and have been in operation for at least 3 years. We assess cash flow, enrolment stability, and repayment capacity before making an offer.
Who qualifies
Core Requirements — Must meet all three
Registered Private School
Your school must be registered with the relevant government body (MoE, TSC or county education office). Pre-primary, primary, secondary, and TVET institutions considered.
Minimum 3 Years in Operation
Your school must have been operational for at least 3 years. We assess track record, enrolment history, and fee collection patterns as part of our review.
Loan Amount: KES 150,000 – 9,000,000+
Final amount is based on your school's revenue, enrolment, and the nature of the financing need. We do not offer financing below KES 150,000.
Supporting Requirements — Assessed during the process
School Financial Documentation
3 months' bank statements or M-Pesa records, and school inspection certificates. Collected by your relationship manager at their visit to our offices.
Director Identification
National ID and KRA PIN of the school director(s). For multi-director schools, all signatories are required.
Demonstrated Repayment Capacity
We assess your school's enrolment trends and fee collection to ensure the loan is structured around what you can realistically repay — not a rigid bank calendar approach.
Choose the financing that fits your school
Working Capital
Balance staff salaries and day-to-day operations between fee collection cycles.
- •Teachers & staff salaries
- •Utilities, meal supplies
- •Books & learning materials
- •Short-term cash flow gaps
Loan Range
KES 150K – 500K
3 months · 400+ directors
Asset Financing
Acquire equipment your school needs without tying up operational funds.
- •Computers & ICT infrastructure
- •Kitchens & dining equipment
- •Sports & gym facilities
Loan Range
KES 300K – 3M
3–36 months · 400+ directors
Infrastructure
Build or renovate classrooms, labs, and school facilities.
- •New classrooms & labs
- •Renovations to existing facilities
- •Libraries & staffrooms
- •Fencing & lighting
Loan Range
KES 600K – 8M+
36 months · 400+ directors
School Bus
Finance a school bus or minivan for student transport.
- •New or second-hand bus
- •Plus-size bus loan
- •Flexible repayment
- •Strong repayment capacity required
Loan Range
KES 500K – 3M
36–48 months · 400+ directors
Expansion
Long-term financing for directors with a clear school growth plan.
- •Structured long-term loan
- •Short-to-mid repayment
- •Build additional capacity
- •Land as Jackfruit development
Loan Range
KES 1M – 8M+
36 months · 400+ directors
Every director gets access to free training through Jackfruit Foundation
When you borrow with Jackfruit Finance, you don't just get capital — you get access to professional development programmes through the Jackfruit Foundation at no additional cost. No other lender in Kenya offers this.
Director Leadership Training
Practical skills in management, finance planning, and leadership designed for first-time school directors in Kenya.
Teacher Professional Development
Curriculum-aligned teacher training programmes to improve classroom practice and learning outcomes.
School Growth Programmes
Workshops on enrolment growth, parent engagement, fee management, and building a stronger school community.
Why this matters for your school
Capital alone doesn't grow a school. The directors who grow fastest combine financing with training. Jackfruit Foundation programmes are built specifically for Kenyan school contexts — not imported curricula.
How it works, step by step
Submit your details
Fill in the short form with your school name, loan type, and the amount you need. Takes about 3 minutes.
⏱ Takes 3 minutesCustomer experience call
A Jackfruit team member calls within 48 hours to understand your school's situation, confirm the loan type, and walk you through the next steps.
⏱ Within 48 hoursRelationship manager visit or office meeting
Your dedicated relationship manager will either visit your school or your premises, or you can come into our offices to meet them. Documents are collected at this stage.
⏱ Scheduled at your convenienceCredit assessment & tailored offer
Our team reviews your school's financials and prepares a loan offer — amount, repayment schedule, and term — structured around your fee collection cycle.
⏱ Within 48 hours of document receiptSign & receive funds
Review and sign the loan agreement. Funds are disbursed directly to your school's account within 24 hours of signing. Your relationship manager remains accessible.
⏱ Within 24 hours of signingFrom a school director in our network
"We built three new classrooms and a science lab within a single term. Jackfruit understood our cash flow calendar in a way no bank ever had."
Michael Kamau
Principal, Westlands Academy
About Jackfruit Finance
We exist to grow schools and businesses across East Africa