Financial templates for Kenya

Browse all 58 free financial legal templates for Kenya. Download as PDF or Word.

Loans & Promissory Notes

Chama Loan Agreement (Kenya)

A Kenya Chama Loan Agreement governing the lending of pooled chama funds to a member, including repayment schedule, interest rate, guarantors, and default consequences, compliant with the Law of Contract Act (Cap. 23) and the Societies Act Cap. 108.

Convertible Note Agreement (Kenya)

A Kenya Convertible Note Agreement providing a short-term loan to a company that converts to equity upon a qualifying financing event, governed by the Companies Act No. 17 of 2015 and the Law of Contract Act Cap. 23.

Credit Sale Agreement (Kenya)

A Kenya Credit Sale Agreement for the sale of goods or assets on credit terms, where ownership passes immediately but the buyer pays by instalments, compliant with the Law of Contract Act (Cap. 23) and the Consumer Protection Act No. 46 of 2012.

Debenture Agreement (Kenya)

A Kenya Debenture Agreement creating a fixed or floating charge over company assets as security for a loan, compliant with the Companies Act No. 17 of 2015 and the Land Registration Act No. 3 of 2012.

Debt Acknowledgment (Kenya)

A Kenya Debt Acknowledgment Letter confirming a debtor's written recognition of an outstanding debt, compliant with the Law of Contract Act Cap. 23 and the Limitation of Actions Act Cap. 22.

Digital Lending Agreement (Kenya)

A Kenya Digital Lending Agreement for loans disbursed via mobile money or digital platforms, compliant with the Central Bank of Kenya Digital Credit Providers Regulations 2022 and the Data Protection Act No. 24 of 2019.

Intercompany Loan Agreement (Kenya)

A Kenya Intercompany Loan Agreement for loans between related companies within a group, compliant with the Companies Act No. 17 of 2015 and the Income Tax Act Cap. 470 transfer pricing rules.

Loan Agreement (Kenya)

A Kenya Loan Agreement recording the terms of a personal or commercial loan, compliant with the Law of Contract Act Cap. 23 and the Central Bank of Kenya Act Cap. 491.

Microfinance Loan Agreement (Kenya)

A Kenya Microfinance Loan Agreement for licensed microfinance institutions advancing credit to small and micro-enterprise borrowers, compliant with the Microfinance Act No. 19 of 2006 and the Central Bank of Kenya prudential guidelines.

Mortgage Agreement (Kenya)

A Kenya Mortgage Agreement creating a charge over land as security for a loan, compliant with the Land Act No. 6 of 2012 s.77 and the Land Registration Act No. 3 of 2012 as administered by the Ministry of Lands and Physical Planning.

Personal Loan Agreement (Kenya)

A Kenya Personal Loan Agreement between individuals recording principal, interest, and repayment terms for a private loan, enforceable under the Law of Contract Act Cap. 23 and the Limitation of Actions Act Cap. 22.

Promissory Note (Kenya)

A Kenya Promissory Note — an unconditional written promise to pay a specified sum — governed by the Bills of Exchange Act Cap. 27 and enforceable in the High Court of Kenya or the Small Claims Court.

SACCO Loan Application Form (Kenya)

A Kenya SACCO Loan Application Form for members applying for a loan from a Savings and Credit Cooperative Society, compliant with the Sacco Societies Act No. 14 of 2008 s.41 and SASRA credit policy requirements.

Shareholder Loan Agreement (Kenya)

A Kenya Shareholder Loan Agreement governing a loan from a shareholder to their company, compliant with the Companies Act No. 17 of 2015 s.248, the Law of Contract Act Cap. 23, and the Income Tax Act Cap. 470.

Venture Debt Agreement (Kenya)

A Kenya Venture Debt Agreement for debt financing extended to growth-stage startups and technology companies, compliant with the Law of Contract Act Cap. 23, the Companies Act No. 17 of 2015, and the Capital Markets Act Cap. 485A.

Invoices & Billing

Invoice Template (Invoices)

A professional invoice template compliant with Kenya Revenue Authority requirements, including VAT, ETR, and KRA PIN fields for businesses trading in Kenya.

Proforma Invoice (Kenya)

A Kenya Proforma Invoice providing a preliminary price quotation and delivery terms, compliant with the Value Added Tax Act No. 35 of 2013 and the East African Community Customs Management Act.

Financial Agreements

Advance Payment Guarantee (Kenya)

A Kenya Advance Payment Guarantee issued by a bank or surety to secure repayment of an advance payment made to a contractor, supplier, or service provider, governed by the Law of Contract Act Cap. 23 and the Banking Act Cap. 488.

Annuity Agreement (Kenya)

A Kenya Annuity Agreement under which one party pays a lump sum and receives periodic annuity payments in return, compliant with the Insurance Act (Cap. 487), the Income Tax Act (Cap. 470), and the Retirement Benefits Act No. 3 of 1997.

Bank Guarantee (Kenya)

A Kenya Bank Guarantee issued by a licensed bank on behalf of a principal to a beneficiary, compliant with the Banking Act Cap. 488 and the Law of Contract Act Cap. 23, providing security for contractual or regulatory obligations.

Bill of Exchange (Kenya)

A Kenya Bill of Exchange — a negotiable instrument directing one party to pay a fixed sum to another on demand or at a specified future date, governed by the Bills of Exchange Act Cap. 27 and the Law of Contract Act Cap. 23.

Collective Investment Scheme Deed (Kenya)

A Kenya Collective Investment Scheme Deed establishing a unit trust or similar pooled investment fund, compliant with the Capital Markets Act Cap. 485A, Capital Markets (Collective Investment Schemes) Regulations 2001, and CMA licensing requirements.

Corporate Guarantee (Kenya)

A Kenya Corporate Guarantee under which a company guarantees the debt or performance obligations of a principal debtor to a creditor, governed by the Law of Contract Act Cap. 23 and the Companies Act No. 17 of 2015.

Counter-Indemnity Agreement (Kenya)

A Counter-Indemnity Agreement under the Law of Contract Act Cap. 23 binding the principal debtor to reimburse a guarantor or surety for any payment made on their behalf.

Escrow Agreement (Kenya)

A Kenya Escrow Agreement appointing a neutral escrow agent to hold funds or documents pending fulfilment of agreed conditions, governed by the Law of Contract Act Cap. 23 and the Trustee Act Cap. 167.

Escrow Instructions Letter

An Escrow Instructions Letter for Kenya under the Law of Contract Act Cap. 23, providing binding instructions to an escrow agent on the deposit, conditions for release, and disbursement of funds held in escrow.

Factoring Agreement (Kenya)

A Kenya Factoring Agreement for the sale and assignment of trade receivables from a business to a factor, compliant with the Law of Contract Act Cap. 23 and the Movable Property Security Rights Act No. 13 of 2017.

Floating Charge Debenture (Kenya)

A Kenya Floating Charge Debenture creating a floating charge over all present and future assets of a company, compliant with the Companies Act No. 17 of 2015 s.349 and the Insolvency Act No. 18 of 2015.

Guarantee Agreement

A legally binding Guarantee Agreement through which a Guarantor undertakes to fulfil the obligations of a Principal Debtor to a Creditor if the Debtor defaults, executed under the Law of Contract Act Cap. 23 of Kenya.

Hire Purchase Agreement (Kenya)

A Kenya Hire Purchase Agreement under the Hire Purchase Act Cap. 507 for the supply of goods on instalment credit terms where ownership transfers on final payment.

Indemnity Agreement (Kenya)

A Kenya Indemnity Agreement under which one party undertakes to compensate another for specified losses, liabilities, or expenses, governed by the Law of Contract Act Cap. 23 and enforceable before Kenyan courts.

Letter of Credit (Kenya)

A Kenya Letter of Credit issued by a Kenyan commercial bank on behalf of an importer, guaranteeing payment to an exporter upon presentation of complying documents, governed by the Bills of Exchange Act Cap. 27 and UCP 600 rules adopted by Kenyan banks.

Letter of Credit Request (Kenya)

A formal application submitted by a Kenyan importer to a CBK-licensed commercial bank requesting the issuance of a documentary letter of credit in favour of an overseas supplier, governed by the Bills of Exchange Act Cap. 27 and UCP 600.

Memorandum of Charge (Kenya)

A Kenya Memorandum of Charge creating a registered charge over land as security for a loan, compliant with the Land Act No. 6 of 2012 s.77 and the Land Registration Act No. 3 of 2012.

Mobile Money Agent Agreement (Kenya)

A Kenya Mobile Money Agent Agreement appointing an agent to conduct mobile money services on behalf of a principal under the National Payment System Act No. 39 of 2011 and the CBK Payment Service Provider Regulations 2014.

Mobile Payment Merchant Agreement (Kenya)

A Kenya Mobile Payment Merchant Agreement governing the terms under which a merchant accepts M-Pesa, Airtel Money, or other mobile money payments, compliant with the National Payment System Act No. 39 of 2011 and Central Bank of Kenya regulations.

Pension Scheme Rules (Kenya)

Kenya Pension Scheme Rules governing the administration, membership, contributions, investments, and benefits of an occupational retirement benefits scheme registered with the Retirement Benefits Authority under the Retirement Benefits Act No. 3 of 1997, required for RBA registration and compliance.

Pension Trust Deed (Kenya)

A Kenya Pension Trust Deed establishing an occupational retirement benefits scheme as a trust under the Retirement Benefits Act No. 3 of 1997 s.34, appointing trustees, creating the pension fund, and providing the legal foundation for RBA registration and tax-exempt status under the Income Tax Act Cap. 470.

Pledge Agreement (Kenya)

A Kenya Pledge Agreement creating a security interest over movable assets under the Law of Contract Act Cap. 23 and the Movable Property Security Rights Act No. 13 of 2017.

Receivership Appointment Notice (Kenya)

A Kenya Receivership Appointment Notice served by a secured creditor appointing an administrative receiver under Section 385 of the Insolvency Act No. 18 of 2015 to take control of charged assets on default.

Retention Money Guarantee (Kenya)

A Kenya Retention Money Guarantee by which a bank or surety guarantees the contractor's obligations during the defects liability period, compliant with the Law of Contract Act Cap. 23.

Security Agreement (Kenya)

A Kenya Security Agreement creating a charge or security interest over movable property as collateral for a debt or obligation, governed by the Movable Property Security Rights Act No. 13 of 2017 and the Law of Contract Act Cap. 23.

Trade Finance Agreement (Kenya)

A Kenya Trade Finance Agreement documenting import/export financing terms under the Law of Contract Act Cap. 23, covering letters of credit, invoice financing, and CBK-regulated trade credit facilities.

Voluntary Arrangement Proposal (Kenya)

A Kenya Voluntary Arrangement Proposal submitted by an insolvent company or individual to creditors under the Insolvency Act No. 18 of 2015, offering a composition or scheme of arrangement as an alternative to liquidation or bankruptcy.

Debt & Collections

Debt Settlement Agreement (Kenya)

A Kenya Debt Settlement Agreement resolving an outstanding debt on agreed terms, compliant with the Law of Contract Act Cap. 23 and the Limitation of Actions Act Cap. 22.

Demand Letter — Debt Recovery (Kenya)

A Kenya Demand Letter for debt recovery demanding payment of a liquidated sum under the Law of Contract Act (Cap. 23), suitable for pre-action notice before proceedings in the High Court, Magistrates Court, or Small Claims Court.

Financial Forms

Actuarial Valuation Certificate Request (Kenya)

A Kenya Actuarial Valuation Certificate Request submitted to a registered actuary by a retirement benefits scheme administrator, compliant with the Retirement Benefits Act No. 3 of 1997 s.32 and the Retirement Benefits Authority regulations.

Capital Gains Tax Return (Kenya)

A Kenya Capital Gains Tax Return declaration for reporting and paying CGT at 15% on disposal of property and securities under the Income Tax Act Cap. 470 and Finance Act 2023, administered by the Kenya Revenue Authority.

Direct Debit Mandate (Kenya)

A Kenya Direct Debit Mandate authorising a service provider or creditor to debit a specified bank account for recurring payments, compliant with the National Payment System Act No. 39 of 2011 and the Kenya Bankers Association Direct Debit Scheme.

Retirement Benefits Authority Annual Return (Kenya)

A Kenya RBA Annual Return for occupational pension schemes and provident funds, satisfying the reporting obligation under Section 52 of the Retirement Benefits Act No. 3 of 1997 and RBA Regulations 2000.

SACCO Membership Application Form (Kenya)

A Kenya SACCO Membership Application Form for individuals applying to join a Savings and Credit Cooperative Society, compliant with the Sacco Societies Act No. 14 of 2008 s.20 and Co-operative Societies Act Cap. 490.

SACCO Share Withdrawal Form (Kenya)

A Kenya SACCO Share Withdrawal Form authorising a Savings and Credit Cooperative member to withdraw shares, compliant with the Sacco Societies Act No. 14 of 2008 s.43 and SASRA regulations.

Standing Order Mandate (Kenya)

A Kenya Standing Order Mandate by which an account holder instructs their bank to make regular, fixed payments to a specified beneficiary on set dates, governed by the National Payment System Act No. 39 of 2011 and regulated by the Central Bank of Kenya (CBK).

Receipts & Donations

Acknowledgment of Receipt (Kenya)

A Kenya Acknowledgment of Receipt confirming that money, goods, documents, or property has been received, creating a binding evidentiary record under the Law of Contract Act Cap. 23 and the Evidence Act Cap. 80.

Payment Receipt (Kenya)

A Kenya Payment Receipt used by individuals and businesses to acknowledge the receipt of money or goods in satisfaction of a debt or transaction, compliant with the Tax Procedures Act No. 29 of 2015 and the Value Added Tax Act No. 35 of 2013, serving as proof of payment and an audit document.