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Offered as a partnership between KCB and National Treasury to support MSME businesses access working capital loans and acquisition of trading assets.

Benefits

Flexible Repayment Period

A tenue of up to 36 months.

Business Turn-over

Business with turn-over of up to Kes 100M are considered.

Negotiated Pricing

A reduced pricing i.e. applicants’ risk-based pricing minus one percentage.

Amounts

Minimum amount of Kes 100K and maximum of Kes 5M.

What We Need From You*

  • Business proceeds to have been channeled through KCB account for a minimum 6 months or 12 months statement from where you are currently banking.
  • Must be registered with a business entity with registration certificate, certificate of incorporation or partnership deed.
  • Business license or permit where applicable.
  • Must have been in business for a minimum of 2 years.
  • Complete SME loan business application Form.
  • Colored passport photo.
  • Copy of collateral if secured.

Identification Documents

  • Enterprises: Certificate of registration, ID original, KRA Pin for the owner Limited Company: certificate of incorporation, company pin, Board resolution authorizing borrowing, director’s ID &PIN, Memorandum & Articles of Association {CR1,2,8 &12} and company Search.

Rates & Fees*

  • Interest rate: risk-based pricing minus one percentage.
  • Credit Life: 0.34% per annum of the loan advanced by the bank for an individual borrower (Single life) and an additional 0.18% per annum for each additional joint borrower (Joint life).
  • Third party charges: valuation, security perfection, Guarantee, insurance etc.: based on agreement between customer and service provider.

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