Empowering Female Entrepreneurs with KCB FLME

Through KCB FLME (Female-Led & Made Enterprises), we empower female led or created businesses with a suite of financial and non-financial services, customized to enable them to reach their full potential. The services include; unsecured loans of up to Kes 10 million, business advisory services, business and transactional accounts tailored to your needs, green financing, and access to exclusive local and international networking events, workshops, and mentorship programs.

The Four Pillars of FLME

  • Cash flow Based lending
  • Group lending –( Chamas)
  • Health Insurance-FLME Simba Health
  • Non-Financial services- trainings, capacity building programs and networking events

Benefits to Female Led & Made Enterprises

Networking Opportunities

Build valuable connections with fellow entrepreneurs, explore new markets, and grow your business through exclusive events.

Relationship Management

We assign you a relationship manager to make your banking experience pleasant, and guide you along the way.

Workshops & Webinars

Learn from industry leaders and gain new skills through specialized training sessions designed to empower your growth.

Business Mentorship & Coaching

Receive expert guidance to overcome challenges, enhance business performance, and unlock your full potential.

Exclusive Memberships

We organize international trips for our customers geared towards developing their business.

Stories kwa Ground

Get in Touch About FLME Today

FLME FREQUENTLY ASKED QUESTIONS (FAQs)

FLME (Female-Led & Made Enterprises) is KCB’s branded women proposition for MSMEs. This a 360-intervention platform that seeks to fill the gap by creating solutions to women entrepreneurs that are flexible, accessible, and affordable. KCB has been supporting women entrepreneurs since 2016 & we have now branded it FLME which is a promise to support women through more robust offering.

Customers can access unsecured loans of up to Kes 10M.

The customers can access all the below products and services under the FLME proposition.

  • Transactional accounts
  • Current accounts
  • Savings Accounts
  • Deposit and call accounts
  • Term Loans – secured and unsecured
  • Overdrafts – temporary and permanent
  • Agribusiness loans
  • Asset Financing & IPF
  • Mortgage Financing
  • Short term loans i.e. LPO & Invoice Discounting/STA
  • Digital solutions
  • Bank Guarantees, Bid bonds
  • Forex Exchange solutions
  • Credit Cards/Pre-Paid Cards
  • Vooma Tills, Paybills and merchant POS machines
  • KCB Internet banking, Mobile Banking, Agent Banking, and Islamic Banking
  • Insurance solutions
  • Investment solutions through the KCB Investment Bank & KCB Asset Management businesses
  • Webinars, Workshops and Trainings
  • Business mentoring, coaching, and networking events and more.
  • We plan to disburse over Kes 250B loans to Female-Led & Made Enterprises.

    Depending on the limits, the repayment period is up to 48 months. A period of up to 36 months for amounts below Kes 5 million & 48 months for amounts above Kes 5 million.

    Training, workshops, networking opportunities, trips & market exposure. Look out for more information through our communication channels such as the newsroom, social media, sms etc.

    No, however, extensive training has been done on relationship management and Gender Intelligence to ensure that the branch teams are well equipped to offer the much-needed relationship management to the customers.

  • Improved relationships with customers.
  • Banks understanding of the business and personal needs of our female customers.
  • Increasing the access to finance.
  • Providing the much-needed business advisory.
  • Mentoring and coaching and reducing credit processing time.
  • Yes, as per the terms of green lending. KCB is deliberate on its women proposition journey that is aligned to the SDG goals.

    KCB will support all businesses based on their strength and position of their cashflows.

    FLME customers are encouraged to visit any KCB branch and apply for the loans.

    No. We encourage women entrepreneurs in to build positive ratings to improve their credit score.

    This is the branded Biashara Club for the women in business. The club offers exclusive non-financial services to women in business that includes workshops, webinars, trainings, trips, clinics etc. The joining terms remain as per Biashara Club requirements.

    KCB Academy is a digital platform aimed at enhancing the bank’s non-financial services for female entrepreneurs working alongside the KCB Biashara Club. It features digital educational materials, business tools, virtual training, and a space for knowledge sharing among women in business.

    Yes, based on their cashflows.

    Not now, however our male customers can access the existing MSME solutions.

    Yes. This can be accessed under Tuungane/Chama offering.

    For as long as they are in business, they will be supported according to their business needs.

    For any information or help regarding FLME, feel free to contact the bank using the below channels.

  • Call: 0711 087000 or 0732 187000
  • WhatsApp: 0711 078087
  • SMS: 22522
  • Email: [email protected]
  • Website: KCB Group
  • Latest Updates from FLME