SME & MSME Banking
Tailored financial solutions for small and medium enterprises. From startup loans to growth capital, we support your business at every stage.
Our SME 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
SME Banking FAQs
Find answers to common questions about our services.
What qualifies as an SME?
We classify businesses with annual turnover between KES 500,000 and KES 100 million as SMEs. Micro-enterprises with turnover below KES 500,000 qualify for our MSME products.
Do I need collateral for an SME loan?
Collateral requirements vary by product. MSME startup loans up to KES 500,000 are available without traditional collateral through our group lending model. Larger facilities require property, LPOs, or other acceptable security.
How quickly can I access SME financing?
Processing times range from 48 hours for MSME loans to 5 business days for larger facilities. Returning clients with clean track records enjoy expedited processing.
Do you offer business training or mentorship?
Yes, all SME clients get access to our business development program, including financial literacy workshops, marketing masterclasses, and one-on-one mentorship with experienced entrepreneurs.
Ready to Grow Your Business?
Schedule a free consultation with our SME banking advisor today.