Starting or expanding a water vending or dairy processing business can be an exciting journey—but it’s no secret that acquiring high-quality machines like Milk ATMs, Water Vending Stations, Reverse Osmosis Systems, or Pasteurizers can be capital-intensive. For many entrepreneurs, the key challenge isn’t the business idea itself—it’s how to finance the equipment needed to run it efficiently.
At Trivon Trading Company Limited, we understand the real needs of business owners and offer not only reliable machines but also insights into how you can afford them without draining your savings. Let’s explore some of the most practical and popular financing strategies that can help you start or grow your business with confidence.
1. Hire Purchase Plans (Pay As You Earn)
Many equipment suppliers, including us at Trivon Trading, offer flexible hire purchase or installment payment plans. This allows you to pay a deposit and then spread the remaining cost over several months while the machine is already in use and generating income. It’s a great option for entrepreneurs who need to get started immediately without paying the full cost upfront.
✅ Best for: Startups with limited capital but a working location.
2. Bank and Microfinance Loans
Local banks and microfinance institutions like Faulu, KWFT, KCB, and Equity Bank offer business loans specifically tailored for small and medium-sized enterprises (SMEs). You can apply for financing to purchase equipment and repay in structured monthly installments over 1 to 3 years, depending on the lender’s terms.
📌 Tip: Prepare a simple business plan and projected income from the equipment. It helps you get approved faster.
3. Government Youth, Women, and Uwezo Funds
If you’re a youth, woman, or part of a special group registered under a business, you can apply for government-backed funds such as the Youth Fund, Uwezo Fund, or Women Enterprise Fund. These initiatives are designed to support entrepreneurship through interest-free or low-interest loans.
🌱 Ideal for: Group startups or cooperatives looking to venture into vending or milk processing.
4. Chamas & Sacco Loans
Saccos (Savings and Credit Cooperative Organizations) and Chamas (investment groups) are a trusted route for many Kenyans. By saving consistently, you can qualify for loans up to three times your savings, which can go toward purchasing high-demand machines like Water ATMs or Milk Chillers.
🤝 Best for: Group-based businesses with existing savings culture.
5. Leasing Equipment (Rent-to-Own)
If you’re still testing the market, you may consider a leasing arrangement or rent-to-own model, where you use the equipment and pay monthly while building up to full ownership. This reduces upfront risk and allows your business to grow organically before taking on full ownership responsibilities.
💡 This can be arranged through selected partners. Contact us to learn more.
6. Crowdfunding or Partner Financing
For innovative entrepreneurs with a clear vision and a compelling story, crowdfunding platforms or partnering with friends and family for capital can be viable routes. Offer them equity or a percentage of future profits in return for upfront funding.
💼 A bold move—but it has worked for many who believe in collaboration and accountability.
Why Financing Equipment Makes Sense
High-quality machines don’t just last longer—they also perform better, reduce maintenance costs, and improve your brand image. Whether you’re investing in a Reverse Osmosis Water Plant, a Milk Pasteurizer, or a Digital Water Vending Machine, smart financing ensures that you’re not compromising quality for short-term affordability.
At Trivon Trading Company Limited, we offer expert consultation to help you select the right machine and discuss available payment plans that match your financial situation.
Ready to Start? Let’s Talk.
Contact us today for a quote, financing advice, or a business consultation tailored to your needs.
📞 Phone: 0790145145
📧 Email: info@trivontrading.co.ke | trivontrading@gmail.com
🌐 Website: www.trivontrading.co.ke
Trivon Trading Company Limited – Trusted Supplier of Water & Dairy Machines in Kenya
Helping you build your dream business, one machine at a time.
