The Chama Starter Guide — Real Money You Can Access in the Next 90 Days

This is the guide for new and growing chamas who want honest, practical information about funding they can realistically access right now — not in 3 years.

12 pages covering two clear tracks:

Part 1 — Start Here (Year 1 chamas):

✅ The honest truth — what will NOT fund you directly

✅ Loans you can access immediately: WEF KES 100K–750K, Uwezo KES 50K–500K, KWFT

✅ Real grants that do not require repayment

✅ The NGO route — how to join a programme that is already funded

✅ Step-by-step registration guide (KES 1,000, 2–3 weeks)

✅ Realistic funding expectations: KES 100K–500K in Year 1

Part 2 — Next Level (Year 2+ chamas):

✅ Embassy small grants — US, Japan, Canada, Australia, Finland, France

✅ International foundations — who funds directly vs who does not

✅ The Netherlands Embassy grant — KES 150 million via consortium

✅ Checklist before attempting any embassy or international grant

Scam warning included. No false promises. Just the real path forward.