MSME Startup Loan
Specially designed for micro and small enterprises with loans from KES 50,000 to KES 2 million. Simplified documentation with group lending and mentorship options.
Key Features
- Loan range KES 50K - 2M
- Group lending option available
- Simplified documentation requirements
- Business mentorship program included
- Flexible repayment (weekly/monthly)
- No traditional collateral up to KES 500K
Rates & Charges
- Insurance: Group credit life included
- Interest Rate: 16% - 20% p.a.
- Processing Fee: 2%
- Group Lending Rate: 14% p.a.
Eligibility Requirements
- Business operating 6+ months (or business plan for startups)
- Age 18-65 years
- Business registration (or intent to register)
- Group membership (for group lending)
- Basic financial records
Required Documents
- 📋 National ID — Bring to branch
- 📋 Business registration certificate (if available) — Bring to branch
- 📋 Business plan — Bring to branch
- 📋 Group formation documents (for group lending) — Bring to branch
Frequently Asked Questions
Find answers to common questions about our services.
Can I apply without a registered business?
What is the group lending model?
Is mentorship really included?
Terms & Conditions
MSME Startup Loans are part of the Bank's financial inclusion program. Group lending members assume joint and several liability for the group's obligations. Individual loans above KES 500,000 require collateral.The Bank partners with accredited business development service providers to offer mentorship. Participation in at least 3 mentorship sessions is required during the first loan cycle.
Ready to Get Started?
Open your MSME Startup Loan today. Visit any branch or apply online.
Apply for MSME Startup Loan
Related Products
Comprehensive financial solutions designed for individuals, businesses, and institutions.
SME Working Capital Loan
SME BankingWorking capital financing from KES 500,000 to KES 20 million for established SMEs. Flexible collateral options including LPOs, invoices, and property.
Insurance: Credit life required
From KES 500,000
MSME Startup Loan
SME BankingSpecially designed for micro and small enterprises with loans from KES 50,000 to KES 2 million. Simplified documentation with group lending and mentorship options.
Insurance: Group credit life included
From KES 50,000
SME Asset Finance
SME BankingFinance business equipment, vehicles, and machinery with up to 80% asset value financing. New and used assets eligible with tenures up to 60 months.
Insurance: Comprehensive required
From KES 200,000
Women in Business Loan
SME BankingEmpowering women entrepreneurs with reduced interest rates, flexible collateral, and business development support. Loans from KES 100,000 to KES 10 million.
Training: Free (2 workshops per year)
From KES 100,000