Merchant CashFlow Loan

Running a business? Need a financial boost to keep operations smooth and seize growth opportunities? KCB Merchant CashFlow Loan is here to empower Micro, Small, and Medium Enterprises (MSMEs) and merchants with quick, hassle-free working capital solutions. Designed exclusively for SME and Micro account holders, this digital loan ensures that your cash flow keeps moving as your business thrives.

Terms and Conditions

Benefits

Flexible repayment

Choose repayment terms that align with your cash flow cycle.

Support for Growth

Access the working capital you need to take your business to the next level.

Fast Disbursement

Funds are disbursed instantly to your account.

Ease of Application

Apply directly from your phone anytime, anywhere.

What we need from you*

For Limited Companies:

Certificate of Incorporation
Company PIN
Merchant Board Resolution
Company Search
Memorandum & Articles of Association
Director’s ID and PIN

For Individual Customers:

Certificate of Registration
Copy of ID
KRA PIN

Why Choose KCB Merchant CashFlow Loan?*

Quick Access:Get the funds you need in just a few steps via USSD.
Flexible Terms:Choose loan tenures that suit your business needs from15, 30, 45, or 60 days.
No Collateral:Access funds based on your merchant acquiring relationship with KCB Bank.

Who Qualifies?*

This loan is available to SME and Micro account holders who:

Have a minimum of 24 months of merchant acquiring relationship with settlement in KCB Bank.