Small and Medium Enterprises (SMEs) are the backbone of economic growth, and banks play a pivotal role in their success. Our tailored SME solutions provide access to financing, streamline cash flow management, and empower businesses to grow and scale with confidence.

Grow your business with KCB Entrepreneurs Account.
View Entrepreneurs Account DetailsDedicated Relationship Managers in all KCB branches for support and guidance.
Access business loans based on account cash flow and need.
Various currencies available for the transactional and current accounts i.e. KES, USD, EUR and GBP.
Transact through other channels: Mobile & internet banking, pay bill and Lipa Na KCB one till for collection purposes.

Working capital loan for stocking and business expansion which is available to both KCB and non-KCB customers.
View SME Secured Loan DetailsA tenue of up to 36 months for working capital and 60 months for capital expenditure.
Top-up allowed based on ability and business need.
Various forms of collateral allowed which includes legal charge, a joint registration of logbook, cash cover, pledge or guarantee.
Monthly and termly payments allowed.

The Bank finances different forms of Guarantee which includes Bid/Tender Bonds, Performance, payment and financial guarantee & shipping guarantee. Also included are Custom and Transit bonds.
View Guarantees DetailsA tenue of up to 12 months with an automatic renewal on customer’s request.
Various forms of collateral are allowed, legal charge, logbook, cash cover, debentures, stock etc.
A negotiated pricing dependent on amount and risk factor.

Grow your savings with Fixed Deposit account. The business can save specific amount within a specified period at an agreed rate.
View Fixed Deposit Account DetailsA negotiated rate is offered based on amount and tenure.
The fixed amount can be used as collateral to access loan at a negotiated interest rate.
The Society or Association is guaranteed a predetermined return based on agreed interest rate.
A varied tenure of up to 12 months with automatic renewal on request.