Safaricom Dealer Financing for Dealership Growth

The KCB Sahl Safaricom Dealer Facility is designed for eligible Safaricom dealers who need Shariah-compliant business financing linked to their dealership operations, Safaricom relationship and commission performance.

Structured under Liquidity Murabaha Financing or Murabaha, the facility supports approved dealership financing needs. For approved customers, facility proceeds are credited directly to the Safaricom account, aligning the financing process with the dealership relationship.

Features

Financing built around your dealership

Assessed on your Safaricom relationship, commission history and business profile.

Commission history supports assessment

Recent commission performance informs the financing decision.

Direct settlement to your Safaricom account

Approved proceeds go straight to your dealership account.

Support for established dealer businesses

For authorised dealers with the required documentation.

Top-up option for qualifying customers

After 50% repayment, or 12 months' good track record.

Shariah-compliant financing

Structured under Liquidity Murabaha Financing or Murabaha.

Dealer Qualification

  • Average 6 Months residual Commissions *12.
  • 6 Months existing Relationship with Safaricom.
  • Audited accounts & cash flows for amounts above Kes 5Mn.
  • Commission Statement for the last 6 months.
  • Existing KCB account Relationship.
  • Executed Assignment.
  • Take up credit life on the loan facility.
  • Facility proceeds credited directly to the Safaricom account.
  • Dealership Contract with Safaricom.
  • MIS confirmation from RM Safaricom Scheme H/O.

A KCB representative will guide you through the applicable requirements and assessment. KCB will never ask you for your PIN or password.

Rates & Fees*

  • Competitive Profit rate.
  • Documentation fee of 3%.
  • Facility amount: Subject to commission performance, eligibility and KCB assessment
  • Insurance Premium shall be paid at the rate of 0.33% per annum of the facility advanced by the borrower (single life) and an additional 0.165% per annum for each additional joint borrower (Joint life).
  • Shariah structure: Liquidity Murabaha Financing or Murabaha
  • Minimum premiums Kes 20.

Top Up

  • To be considered when the customer has done repayments of up to 50% of facility amount or good track repayment record for the last 12 months.

Rates, fees, charges and product terms may change. Please refer to the latest KCB tariff guide or speak to a KCB representative before applying.

KCB offers the Sahl Safaricom Dealer Facility, linked to dealership operations, commission performance and Safaricom relationship.

Business financing for authorised dealers, assessed using dealership relationship and commission performance.

Yes. The facility is structured under Liquidity Murabaha Financing or Murabaha.

A six-month Safaricom relationship, qualifying residual commissions, six months of commission statements, an existing KCB account, a dealership contract and applicable KYC and verification information.

Yes, for the last six months, supporting assessment of recent dealership commission performance.

Required for financing above KES 5 million.

Credited directly to the Safaricom account for approved customers, rather than as a cash disbursement.

A competitive profit rate and a 3% documentation fee, plus applicable insurance premiums.

May be considered after repayment of up to 50% of the facility amount, or a good repayment track record over the previous 12 months.

No. Approval also depends on your dealership relationship, documentation, financial position and KCB account relationship.

The Agent Facility is positioned around agent needs such as M-PESA float purchase and agency expansion. The Dealer Facility is designed for authorised dealership businesses, assessed using dealer commission history and documentation.

Request a callback through the product page. We'll guide you through dealer qualification, commission documents and the financing process.

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