A new partnership between Co-operative Bank of Kenya Limited and Car & General (Trading) Limited is set to expand access to agricultural machinery across the country. By combining tailored asset financing with Kubota tractor distribution, the collaboration aims to remove traditional financial barriers for farmers, cooperatives, and agribusinesses seeking modern farm equipment.

Under the new facility, eligible buyers can access up to 100% financing with flexible repayment periods stretching up to 72 months. Crucially, the financing structures feature seasonal repayment plans designed to align with agricultural cash flow cycles and harvest periods, rather than standard monthly schedules. The asset finance package will be available across Kenya through Co-operative Bank’s extensive branch network and Car & General’s nationwide dealer locations.
Samuel Birech, Director of Retail and Business Banking at Co-operative Bank of Kenya, noted that the facility directly addresses challenges raised by agricultural clients. “Farmers and cooperatives have long told us that the barrier to mechanisation isn’t willingness, it’s structure,” Birech said. “This facility was built around that feedback, giving customers a financing path that matches the reality of their income cycles rather than forcing them into terms designed for other sectors.”
The initiative comes at a critical time for Kenya’s economy. Agriculture remains the nation’s largest economic driver, generating Ksh. 4.07 trillion in 2025 and contributing 23.2 per cent to the national GDP. Despite its dominance, mechanisation rates have lagged due to high upfront equipment costs and rigid loan structures.
George Rubiri, General Manager at Car & General, the authorised distributor of Kubota tractors in Kenya, highlighted the impact of pairing machinery expertise with targeted financial solutions. “This collaboration allows us to put reliable, modern equipment into the hands of more farmers and cooperatives, backed by financing that understands the realities of agricultural business,” Rubiri stated. “Together with Co-operative Bank, we are helping to accelerate the mechanisation of Kenyan agriculture.”
The partnership marks another step in Co-operative Bank’s broader strategy to deepen financial inclusion and support the national agricultural transformation agenda, offering small and medium-sized agricultural enterprises (SMEs) a viable route to boost productivity and long-term profitability.