SME Working Capital Loan
Working capital financing from KES 500,000 to KES 20 million for established SMEs. Flexible collateral options including LPOs, invoices, and property.
Key Features
- Loan range KES 500K - 20M
- Tenure up to 60 months
- Multiple collateral options accepted
- 72-hour processing for returning clients
- Grace period up to 3 months
- Top-up available after 6 months of repayment
Rates & Charges
- Insurance: Credit life required
- Interest Rate: 14% - 18% p.a.
- Processing Fee: 3%
- Early Repayment: 2% penalty on outstanding
Eligibility Requirements
- Business operating 1+ year
- Annual turnover KES 1M+
- Bank statements (6 months)
- Acceptable collateral or cash flows
- Business plan for new ventures
Required Documents
- 📋 Certificate of Incorporation — Bring to branch
- 📋 6 months bank statements — Bring to branch
- 📋 Audited financials or management accounts — Bring to branch
- 📋 Collateral documents (title deed, LPO, invoices) — Bring to branch
Frequently Asked Questions
Find answers to common questions about our services.
What collateral do you accept?
Can I access a grace period?
How do I qualify for the top-up?
Terms & Conditions
SME Working Capital Loans are assessed based on business cash flows, collateral, and the borrower's credit history. The Bank may require personal guarantees from company directors in addition to business collateral.Loan disbursement is subject to completion of all security documentation and registration. Ongoing monitoring of business performance is conducted through periodic financial reporting.
Ready to Get Started?
Open your SME Working Capital Loan today. Visit any branch or apply online.
Apply for SME Working Capital 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