HFC Limited SME Loan Details

Rates available from as of 1st April 2021
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HFC Limited

SME Loan
Ksh10k - 1M
1 Month - 12 Months
Total Cost
17.36% annualized (year 1)
Certificate of Registration Required
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Loan Cost

  • Interest: 14%
  • Application Fee: 0
  • Processing Fee: 2.4%
  • Excise duty: 20% of processing fee
  • Credit Insurance: 0.48%

Loan structure

  • Type: Unsecured
  • Interest structure: Reducing Balance
  • Collateral needed: None

Loan  Details

  • Loan size: Micro/SME
  • Minimum tenure: 1 Month
  • Max tenure: 12 Months
  • Minimum Amount: ksh10K
  • Max amount: ksh1M
  • Repayment Frequency: Monthly


  • Time in operation: 6 Months


  • National ID
  • KRA Pin
  • Passport photo
  • Business records
  • Registration certificate
  • Business license
  • 6 months bank statements if you are not banking with them
  • T&C Link

Example Representative Pricing

  • Loan Amount: ksh100,000
  • Annual Interest Rate: 14%
  • Processing Fee: ksh2400
  • Excise Duty: ksh480
  • Credit insurance: ksh480
  • Loan duration: 12 months
  • Estimated Monthly repayment: ksh8,978.71
  • Estimated Total repayment amount: ksh107,744.54

Money254 Review


  • Security is not required for this loan
  • Available to micro and small businesses


  • Only available to businesses that are formally registered.

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How to Apply HFC Limited  SME Loan, Structure, Repayment, Fees & Contacts

HFC Limited SME Loans are given to customers in performing businesses without tangible security.

Who is Eligible for HFC Limited SME Loan?

HFC Limited SME Loan limits and Interest rates

Other Fees

‍HFC Limited SME Loan Interest Structure

How to Apply for Your First HFC Limited SME Loan

How to Apply for Your First HFC Limited SME Loan


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