HFC Limited Term Loan Details

Rates available from as of 1st April 2021
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HFC Limited

Term Loan
Ksh100k - 50M
1 Month - 60 Months
Total Cost
16.88% annualized (year 1)
Certificate of Incorporation Required
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Loan Cost

  • Interest: 14%
  • Application Fee: 0
  • Processing Fee: 2%
  • Excise Duty: 20% of processing fee
  • Credit Insurance: 0.48%

Loan structure

  • Type: Secured
  • Interest structure: Reducing Balance
  • Collateral needed: Conventional security

Loan  Details

  • Loan size: SME
  • Minimum tenure: 1 Month
  • Max tenure: 60 Months
  • Minimum Amount: ksh100K
  • Max amount: ksh50M
  • Repayment Frequency: Monthly


  • Time in operation: 12 Months


  • Board of Directors resolution to open accounts                                      
  • Certificate of incorporation/Registration        
  • Company PIN & VAT                    
  • ID & PIN copies of all directors
  • Copy of Annual Returns/CR 12
  • Utility Bill                                        
  • Proposal for borrowing indicating amount being borrowed, Purpose, type of facility required, proposed repayment period and any other relevant information  
  • Audited accounts for the last three years
  • Current management accounts
  • Cash flow projections for the next five years
  • T&C Link

Example Representative Pricing

  • Loan Amount: ksh100,000
  • Annual Interest Rate: 14%
  • Processing Fee: ksh2000
  • Excise Duty: ksh400
  • Credit insurance: ksh480
  • Loan duration: 12 months
  • Estimated Monthly repayment: ksh8,978.71
  • Estimated Total repayment amount: ksh107,744.54

This product is provided by HF Group Kenya. HF Group Kenya is an integrated property and services provider licensed under the Banking Act Cap 488 of the Laws of Kenya and regulated by the Central Bank of Kenya.

Money254 Review


  • Flexible security options
  • Discounted processing fees (2%)


  • Requires security
  • Requires the business to have been in operation for at least 12 months

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

HFC Limited Term Loan is a financing option tailored to an individual's specific business needs. Term loans can be short or long-term.

Who is Eligible for HFC Limited Term Loan?

HFC Limited Term Loan limits and Interest rates

Other Fees

HFC Limited Term Loan Interest Structure

How to Apply for Your First HFC Limited Term Loan

How to Apply for Your First HFC Limited Term Loan


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