HEVA x NCBA
HEVA and NCBA have entered into a strategic partnership to expand access to affordable and responsive business financing for creative entrepreneurs. The partnership will deliver financial products designed around the unique cash-flow patterns, business models, and growth cycles of creative enterprises, enabling them to build, scale, and compete more effectively in the market.
START-UP INCUBATOR FINANCING NOW OPEN
Finance to help you take your creative business to the next level.
Designed for early-stage creative entrepreneurs and businesses that need accessible capital to invest in their business, take on new opportunities and keep growing.
Whether you're building a fashion brand, producing film or digital content, developing a game, running a music or events business, or working in the performing arts, this facility is designed to respond to the realities of creative businesses and their cash-flow cycles
Why this financing is different
Creative businesses often work around projects, contracts, seasons and different payment cycles. HEVA brings more than a decade of experience understanding and financing creative businesses, while NCBA brings the scale, infrastructure and capabilities of commercial banking. Together, we are developing financing solutions that respond to the realities of how creative businesses operate.
What can the financing help you do?
Start-Up Incubator Financing provides capital to help creative businesses establish and grow, and pursue viable opportunities that support business growth and expansion.
For example, but not limited to:
Equipment purchase
Acquiring materials and stock
Production costs
Working capital
New business opportunities
Eligibility
You may be eligible to apply if you are:
A creative entrepreneur
You operate in your own name within Kenya's creative industry.A registered creative business
You operate a registered SME within Kenya's creative industry.Your creative business can be part of value chains including:
Fashion, Garments & Accessories
Film, TV, Audiovisual & Content Creation
Gaming & Digital Creative Businesses
Music, Theatre & Performing Arts
Application and Next Steps
Applying is straightforward. Start by checking that the facility is right for your business, then follow the steps below to submit your application through NCBA.
01 | CHECK
See whether Start-Up Incubator Financing fits your business.
02 | PREPARE
Gather the documents relevant to your business type.
Individuals
National ID or valid passport for foreigners
KRA PIN certificate
Bank statements for the last 6 months
Business M-Pesa or Till statements
Daily/monthly sales reports
Contract with a counterparty, where applicable
Previous contracts or Local Service Orders (LSOs), where applicable
Registered SMEs
Business Registration Certificate or Certificate of Incorporation
Company KRA PIN certificate
National ID and KRA PIN certificates for directors
Bank statements for the last 6 months
Business M-Pesa or Till statements
Daily/monthly sales reports
Contract with a counterparty, where applicable
Previous contracts or Local Service Orders (LSOs), where applicable
03 | APPLY
Apply through the NCBA websiteor visit an NCBA branch and speak to a Relationship Manager.
04 | GET ASSESSED
Your application will be assessed based on the purpose of the financing and your ability to meet the eligibility requirements.
05 | RECEIVE YOUR FINANCING
If approved, the loan is disbursed to your NCBA account.
Support
Our FAQs cover the key information you need to understand the facility, eligibility, requirements and application process.
If you have further questions about the facility or need support from the HEVA team, you can contact:
HEVA Investments Team
📧 investments@hevafund.com
📞 0204 400 870
For questions or support directly from NCBA, you can contact:
NCBA Customer Contact Centre
📞 020-2884444
📞 0711 056 444
📞 0732 154 444
📧 contact@ncbagroup.com
The Partnership Launch
In December 2025, HEVA Fund and NCBA officially partnered, bringing creative finance and commercial banking together for the first time. To empower the creative industries, HEVA and NCBA will offer five financing products: Event Financing, Invoice Discounting, LPO Financing, Working Capital Financing and Start Up Incubator Financing.
Step 1: An initial KES 20 million (50:50 match between HEVA and NCBA) Target: Early stage creative businesses Interest rate: 9% (concessional).
Insights from HEVA on financing the creative sector will be leveraged to unlock more capital with NCBA.
What will be included:
Equipment and working capital starting from KES 100,000
Up to 80% financing for confirmed orders, contracts or events
Repayment aligned to creative cycles (90 days to 36 months*)
Disbursement directly to suppliers, vendors and platforms — keeps production moving
Minimum requirements and detailed features will be shared during rollout in Jan 2026
PARTNERSHIP OVERVIEW
Through strategic partnerships, HEVA has already deployed KES 450M to creative entrepreneurs and businesses in 2025, with a plan to disburse KES 900M to the sector by the end of 2026. This new partnership with NCBA builds on that progress and extends it into the commercial banking sector, representing a major milestone in making creative finance accessible at scale.
The partnership is part of HEVA's broader mission to bridge the gap between finance and the creative industries, unlocking even more capital for a sector that continues to grow in economic importance. It also reflects the rising confidence among commercial banking institutions in the power, potential, and GDP contribution of creative MSMEs in Kenya.
Through a shared-risk financing approach, HEVA and NCBA are strengthening the pathway for creative businesses to access intentional, responsive, and affordable capital, allowing them to grow, scale, create meaningful jobs, and continue contributing to Kenya's economic transformation.
PARTNERSHIP WINS
✔ 12 years of HEVA’s insights on designing tailored financing for creatives
✔ Flexible financing aligned to creative income cycles
✔ Capital designed for MSME growth
✔ Delivered through commercial banking channels through partnership with NCBA
✔ Supported by business and skills programs
✔ Accessible to young people, young women and men.
WHAT’S NEXT
Financial product roll-out in 2026
Business support opportunities to be launched in 2026:
Investment-readiness coaching
Technical assistance across key creative sectors
Wellbeing & resilience support
Market access facilitation
Strengthened reporting and performance support for bankability
LET’S KEEP IN TOUCH
If you want to receive updates on how you can access funding, project incubation, mentorship, and invaluable resources that will fuel your growth and help you achieve your creative aspirations, join our mailing list and we’ll keep you posted.

