Within a few years Nicholas Biwott was able to invest in farms and businesses, taking advantage of the post-independence banking policies at the time by which Kenyans were granted loans on favourable terms. In 1969, aged 29, Biwott purchased the Eldoret Town International Harvester (IH) dealership (now FMD trading as Lima Ltd). He also purchased a dairy farm in the same year, started an importer exporter business in 1972, purchased two wheat farms in 1974, invested in the sole agency for IH in Kenya for agricultural tractors and implements in 1975, and purchased a local air operator in 1977 (now Air Kenya).