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Learning Institutions Loan

Complete school construction projects, purchase lab equipment, stationery top up; the Learning institutions loan from KCB is designed to cater to private and public schools, enabling smooth operations and letting nothing come in the way of great learning and skills development. The learning institution loan provides you with two facilities; overdraft and loans, both secured and unsecured.



What We Need From You*

  • Certificate of Registration with the Ministry of Education
  • KRA PIN certificate
  • Certificate of Incorporation (where applicable)
  • Memorandum & Articles of Association (where applicable)
  • 12 months’ bank statements for non-KCB account holders
  • 3 years audited accounts or management accounts
  • Board resolution
  • NEMA certificate (in the event of construction)
  • Collateral documentation e.g. title deeds, logbooks etc. (for secured overdraft/loan)

*A bank representative may call you at any time to obtain further information in line with our KYC process. At no point shall you be asked for your PIN or passwords.  Remember, PIN yako siri yako.

Loan Rates & Fees*

  • KCB rate + margin - 13% (CBR rate 9% plus Bank Variable margin of 4%)
  • Negotiation fees - 3%

*Charges are not inclusive of tax

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