In Kenya, women-led businesses often face persistent barriers when trying to secure financing, a challenge that limits their ability to grow and compete. The AFAWA-AGF WSMEs Program, launched by the Grassroots Business Fund, is now open for applications to change that reality. The program offers a comprehensive package that combines timely financing with technical assistance, enabling enterprises to strengthen management capacity, improve efficiency and scale with confidence. By doing so, it aims to unlock new opportunities for women entrepreneurs and the communities they serve.
For years, women-owned businesses have struggled with programs that offer capital without providing the proper support to ensure sustainable growth. GBF aims to change that by combining medium-term working capital and growth financing with technical assistance that strengthens management capacity. This dual approach is what sets the program apart. Entrepreneurs who qualify can also benefit from a fast-track process that moves from application to disbursement in just 30 days, ensuring timely access to the capital they need.
The program is open to businesses with at least 50 percent women ownership or shareholding, as well as enterprises led by women in key management positions. Eligible applicants must have operated for at least two years with positive cash flow and generate annual revenue under $1 million, which is approximately KES 130 million. They must also hold a valid certificate of incorporation or business registration, along with the necessary permits to operate legally. An important part of the program is the willingness of participating entrepreneurs to engage in GBF’s signature Technical Assistance program, which provides direct partnership with the team to improve efficiency and strengthen operations.
This opportunity is available across all sectors, whether in technology, retail, manufacturing or agribusiness. The focus is not only on providing capital but also on ensuring that women-led enterprises are equipped with the skills, systems and support to maximize their growth. For many women entrepreneurs, especially those building businesses that matter in their communities, this program represents a chance to overcome financing hurdles that have held them back.
GBF’s investment committee carefully reviews applications based on three criteria: business viability, growth potential and social impact. This approach has proven effective in identifying businesses that are ready to scale and contribute meaningfully to economic development. By investing in women-led enterprises that show strong potential, the program not only helps businesses grow but also creates jobs and fosters positive social change.
The impact of this initiative could be transformative. Access to timely financing combined with technical guidance can make the difference between a business that stalls and one that flourishes. Women entrepreneurs in Kenya often face structural challenges when trying to secure funding, from limited networks to biased lending systems. The AFAWA-AGF WSMEs Program directly addresses these challenges by providing a supportive environment where women leaders are given the tools to thrive.
GBF’s commitment to women-led businesses goes beyond just funding. The organization recognizes that capital alone cannot guarantee success. By offering technical assistance, it helps entrepreneurs improve decision-making, strengthen management systems and streamline operations. These skills are crucial for long-term sustainability, particularly for small and medium enterprises aiming to compete in today’s fast-changing markets.
For Kenya, a country where women play a vital role in driving business growth, this initiative could unlock new levels of opportunity. The program ensures that businesses led by women are not only surviving but scaling, creating ripple effects across communities and the wider economy. Every job created, every product developed and every innovation brought to life through these enterprises contributes to stronger livelihoods and greater social impact.
The call is now open and GBF is inviting women entrepreneurs who meet the requirements to apply. Whether it is a tech start-up, a manufacturing plant, a retail operation or an agribusiness, this program is built to support it. With the right mix of financing, guidance and partnership, the AFAWA-AGF WSMEs Program has the potential to help women-led businesses in Kenya reach new heights.
