Woking Capital loans for Micro and SME businesses available on mobile.

Digital Term Loan available to businesses for working capital purposes.
View Digital Term Loan DetailsBusiness customers are assigned limits based on their account cash flow.
Available to both individuals and registered businesses.
Acceptance of product Terms and condition is through USSD * 520 #.
Access/withdrawal of the funds is through USSD * 522 #, ATM, Over the counter or any other Bank channels.

Digital Overdraw available to businesses for working capital purposes.
View Digital Overdraw DetailsWithdrawal or access of funds is through USSD channel * 522 #, ATM, Over the counter withdrawal and all other Bank channels.
Business customers with current accounts are assigned limits based on their account cash flow.

Digital loan granted to Telco Agents, sub agents, KCB Mtaani & Vooma agents for float purchase.
View Agents Float Financing DetailsWithdrawal or access of funds is through USSD channel * 522 #, ATM, Over the counter withdrawal and all other Bank channels.
The Bank assigns a pre-approved limit accessible through USSD * 520 #.

Digital Working capital loan that supports retailers finance stock purchase from a designated distributor.
View Retailer Financing DetailsRetailers linked to a distributor are assigned limits based on sales records shared with the Bank by that distributor.
Loan application is through *520#.
Loans are disbursed directly to the distributor account.