Greenland Fedha Limited (GFL) is a non deposit taking micro finance institution, wholly owned by Kenya Tea Development Agency Holdings Limited. GFL mandate is to provide a variety of affordable financial services to the low income households in the teas sub sector. Membership to GFL is voluntary.
GFL offers a range of secured loan products tailored to its members, with flexible repayment periods, transparent fees, and no hidden charges.

Loan products provided by GFL range from 3 month to 48 months according to the loan product.

APR Rate Range: 11.50% - 16.75%

For example, for a loan of Ksh 100,000 at an interest rate of 14% p.a. (CBR + 1.5% p.a. reducing balance) with a repayment period of 12 months, the total cost of credit would include:
- Principal: Ksh 100,000
- Interest: approx. Ksh 7,500 (reducing balance basis)
- Loan application fee: Ksh 3,000 (3% of principal)
- Insurance fee: Ksh 1,000 (1% of principal)

Total cost: approx. Ksh 111,500 (representative example).

Each loan application incurs a fee. The fees are calculated as below
- Loan application fee: 3% - 4% of principal (depending on product)
- Insurance fee: 1% p.a. of the approved loan amount or Kshs 75 whichever is
higher
- Disbursement fees: Ksh 50 - Ksh 500 (depending on payment method)