Empower your financing with the Dhamana Guarantee

From safeguarding loans and bonds to bolstering portfolios and enabling smooth refinancing transitions.

  • Mitigate risk

    Ensure timely repayments

  • Unlock new growth

    Enhance investor confidence

OUR SERVICES

Unlocking opportunities across public, private, and structured finance sectors

01

Public Finance

We assist sub-nationals and state-owned enterprises in securing debt financing for projects in sectors such as water, sanitation, electricity, transportation, and healthcare.

african man fixing electricity grid equipment
african man fixing electricity grid equipment
african man fixing electricity grid equipment
african man fixing electricity grid equipment
african woman in front of a wind farm
african woman in front of a wind farm
african woman in front of a wind farm
african woman in front of a wind farm

02

Private Finance

We facilitate the raising of long-term debt capital for issuers involved in infrastructure, utilities, project financing in public-private partnerships (PPPs), and the renewable energy sector.

03

Structured Finance

We offer portfolio management guarantees and potential capital support to banks, non-bank financial institutions, and creditworthy corporations. ​

african man working in an office
african man working in an office
african man working in an office
african man working in an office

We provide credit protection to debt providers

We provide credit protection to debt providers

We provide credit protection to debt providers

If the issuer of a bond or the borrower of a loan fails to pay all or part of the scheduled principal and interest guaranteed by Dhamana, then the debt provider will receive timely payment from Dhamana.

If the issuer of a bond or the borrower of a loan fails to pay all or part of the scheduled principal and interest guaranteed by Dhamana, then the debt provider will receive timely payment from Dhamana.

If the issuer of a bond or the borrower of a loan fails to pay all or part of the scheduled principal and interest guaranteed by Dhamana, then the debt provider will receive timely payment from Dhamana.

Our Guarantee Products

We provide tailored guarantee solutions that reduce risk and unlock funding for impactful projects. Whether you need support for loans, bonds, or refinancing, our products are designed to adapt to your needs.

Explore our products

Explore our products

Explore our products

Explore our products

Eligible Sectors

While we are sector agnostic, here are the key areas in which we operate.

Capital Markets

Energy 

Social Infrastructure

Agri-Infrastructure

Transport

Water & Sanitation

Capital Markets

Energy 

Social Infrastructure

Agri-Infrastructure

Transport

Water & Sanitation

Our ratings

Dhamana is proud to announce our long-term national scale issuer rating of AA(KE) and short-term rating of A1+(KE), both with a stable outlook, as assigned by GCR Ratings. 

(KE)

(KE)

Long-term/Stable

(KE)

(KE)

Short-term/Stable

Our Company Profile

A comprehensive overview of who we are, what we do, and how we’re shaping East Africa’s financial future.

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Latest News

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FREQUENTLY ASKED QUESTIONS

Find the answers you’re looking for

If you're new to Dhamana or looking for a financial partner, this guide will help you learn more about our services.

What does Dhamana do?

Dhamana is an East African focused financial institution that provides guarantees which enables public and private sector borrowers and businesses to access credit in local currency from debt providers either in the form of a loan or a bond.

How does the Dhamana Guarantee work?

The Dhamana guarantee works by providing a payment guarantee to lenders on behalf of businesses or borrowers seeking financing in local currency. The guarantee mitigates risk by ensuring that lenders will receive, in a timely manner, their expected principal and interest repayments.

What are Dhamana’s service lines and sectors of operations?

• Public Finance which supports a range of sub national governments and state-owned enterprises to raise debt capital for projects in water, waste, electricity,transportation, and health care sectors. • Private Finance where issuers across infrastructure, utilities and project financing in PPPs and the renewables sector are supported to raise long term debt capital. • Structured Finance where banks and other non-bank financial institutions including credit worthy corporates are provided with portfolio management guarantees and potential capital support.

What are the benefits of using Dhamana’s guarantee?

• Borrowers without excessive collateral may access financing from banks by using Dhamana’s guarantee. • Businesses and borrowers are able to benefit from new sources of capital from institutional investors like pension funds. • Banks may be able to benefit from regulatory capital relief.

Is Dhamana’s business similar to that of the traditional insurance companies operating in East Africa?

No, Dhamana offers a single line of business as a financial guarantor offering a guarantee that is unconditional, irrevocable and for the full duration of a borrower’s obligation which can go up to 15 years.

What does Dhamana do?

Dhamana is an East African focused financial institution that provides guarantees which enables public and private sector borrowers and businesses to access credit in local currency from debt providers either in the form of a loan or a bond.

How does the Dhamana Guarantee work?

The Dhamana guarantee works by providing a payment guarantee to lenders on behalf of businesses or borrowers seeking financing in local currency. The guarantee mitigates risk by ensuring that lenders will receive, in a timely manner, their expected principal and interest repayments.

What are Dhamana’s service lines and sectors of operations?

• Public Finance which supports a range of sub national governments and state-owned enterprises to raise debt capital for projects in water, waste, electricity,transportation, and health care sectors. • Private Finance where issuers across infrastructure, utilities and project financing in PPPs and the renewables sector are supported to raise long term debt capital. • Structured Finance where banks and other non-bank financial institutions including credit worthy corporates are provided with portfolio management guarantees and potential capital support.

What are the benefits of using Dhamana’s guarantee?

• Borrowers without excessive collateral may access financing from banks by using Dhamana’s guarantee. • Businesses and borrowers are able to benefit from new sources of capital from institutional investors like pension funds. • Banks may be able to benefit from regulatory capital relief.

Is Dhamana’s business similar to that of the traditional insurance companies operating in East Africa?

No, Dhamana offers a single line of business as a financial guarantor offering a guarantee that is unconditional, irrevocable and for the full duration of a borrower’s obligation which can go up to 15 years.

What does Dhamana do?

Dhamana is an East African focused financial institution that provides guarantees which enables public and private sector borrowers and businesses to access credit in local currency from debt providers either in the form of a loan or a bond.

How does the Dhamana Guarantee work?

The Dhamana guarantee works by providing a payment guarantee to lenders on behalf of businesses or borrowers seeking financing in local currency. The guarantee mitigates risk by ensuring that lenders will receive, in a timely manner, their expected principal and interest repayments.

What are Dhamana’s service lines and sectors of operations?

• Public Finance which supports a range of sub national governments and state-owned enterprises to raise debt capital for projects in water, waste, electricity,transportation, and health care sectors. • Private Finance where issuers across infrastructure, utilities and project financing in PPPs and the renewables sector are supported to raise long term debt capital. • Structured Finance where banks and other non-bank financial institutions including credit worthy corporates are provided with portfolio management guarantees and potential capital support.

What are the benefits of using Dhamana’s guarantee?

• Borrowers without excessive collateral may access financing from banks by using Dhamana’s guarantee. • Businesses and borrowers are able to benefit from new sources of capital from institutional investors like pension funds. • Banks may be able to benefit from regulatory capital relief.

Is Dhamana’s business similar to that of the traditional insurance companies operating in East Africa?

No, Dhamana offers a single line of business as a financial guarantor offering a guarantee that is unconditional, irrevocable and for the full duration of a borrower’s obligation which can go up to 15 years.

What does Dhamana do?

Dhamana is an East African focused financial institution that provides guarantees which enables public and private sector borrowers and businesses to access credit in local currency from debt providers either in the form of a loan or a bond.

How does the Dhamana Guarantee work?

The Dhamana guarantee works by providing a payment guarantee to lenders on behalf of businesses or borrowers seeking financing in local currency. The guarantee mitigates risk by ensuring that lenders will receive, in a timely manner, their expected principal and interest repayments.

What are Dhamana’s service lines and sectors of operations?

• Public Finance which supports a range of sub national governments and state-owned enterprises to raise debt capital for projects in water, waste, electricity,transportation, and health care sectors. • Private Finance where issuers across infrastructure, utilities and project financing in PPPs and the renewables sector are supported to raise long term debt capital. • Structured Finance where banks and other non-bank financial institutions including credit worthy corporates are provided with portfolio management guarantees and potential capital support.

What are the benefits of using Dhamana’s guarantee?

• Borrowers without excessive collateral may access financing from banks by using Dhamana’s guarantee. • Businesses and borrowers are able to benefit from new sources of capital from institutional investors like pension funds. • Banks may be able to benefit from regulatory capital relief.

Is Dhamana’s business similar to that of the traditional insurance companies operating in East Africa?

No, Dhamana offers a single line of business as a financial guarantor offering a guarantee that is unconditional, irrevocable and for the full duration of a borrower’s obligation which can go up to 15 years.

Still have questions?

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Together, let's build a stronger future for East Africa

Contact us today to discuss how Dhamana can support your financial needs and contribute to a more vibrant and prosperous East Africa.

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