Income Share Arrangement (ISA)
Equity Based Training Financing
You should not be excluded from training because you cannot pay upfront. Under our ISA, you pay nothing until you earn from appointments, and then only a percentage of your actual income.
Key Features
1. No upfront fee. No interest. No personal guarantee.
2. You pay 15% of your gross professional fees from AITAR/AISTAR/AIETAR appointments.
3. Payments continue until you have paid a total of 2 times the notional training fee (cap).
4. If you never receive appointments, you owe nothing.
5. This is an income share arrangement, not a loan.
1. No upfront fee. No interest. No personal guarantee.
2. You pay 15% of your gross professional fees from AITAR/AISTAR/AIETAR appointments.
3. Payments continue until you have paid a total of 2 times the notional training fee (cap).
4. If you never receive appointments, you owe nothing.
5. This is an income share arrangement, not a loan.
How the ISA Works
Notional Training Fee
The standard fee for your chosen programme (e.g., KES 45,000 for Tier I). This is not a debt; it is the baseline for calculating the cap.
Income Share Percentage
15% of your gross professional fees received from each appointment.
Cap (Maximum Total Payment)
Twice the notional training fee. Example: for Tier I (KES 45,000), the maximum you will ever pay is KES 90,000. Once this cap is reached, your obligation ends; even if you continue to earn appointments.
No Interest, No Prepayment Penalty
You may pay the cap early without penalty, but there is no obligation to pay anything unless you earn.
Write off (Zero Payment)
If you complete the training and then receive no appointments for 24 consecutive months (and you were willing to accept them), ADR will write off your entire obligation. If you decline appointments, you remain liable for the cap.
Payment Process
When you receive a paid appointment, ADR will invoice you for 15% of your professional fee (plus VAT on that 15%, standard‑rated).
ISA Agreement
If you wish to enrol under ISA, you must sign the ISA Agreement (download below). Download ISA Agreement (PDF)
If you wish to enrol under ISA, you must sign the ISA Agreement (download below). Download ISA Agreement (PDF)