KCB Bank Kenya Limited MSME Loan Offer Details

Rates available from as of 1st April 2021
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KCB Bank Kenya Limited

MSME Loan Offer
ksh10k - 5M
1 Month - 36 Months
Total Cost
16.25% annualized (year 1)
Certificate of Registration Required
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Loan Cost

  • Interest: 13%
  • Application Fee: 0
  • Processing Fee: 2%
  • Excise Duty: 20% of processing fee
  • Credit Insurance: 0.85%

Loan structure

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

Loan  Details

  • Loan size: Micro/SME
  • Minimum tenure: 1 Months
  • Max tenure: 3 Years
  • Minimum amount: ksh10K
  • Maximum amount: ksh5M
  • Repayment Frequency: Monthly


  • Time in operation: 24 Months
  • Banking History: 6 months


  • Business account annual turnover of between KES 500,000 to KES 100 Million.
  • Must be a registered business (MSME) in Kenya
  • Provide Business registration certificate
  • Provide a valid business permit or trade license from the county government.
  • Have a tax compliance certificate
  • Borrower must have been in operation (viably) for at least 2 years.
  • Must be a credit worthy MSME.
  • Have a positive CRB listing
  • Be compliant with the bank’s Environmental Risk Management Guidelines where applicable
  • T&C Link

Example Representative Pricing

  • Loan Amount: ksh100,000
  • Annual Interest Rate: 13%
  • Processing Fee: ksh2000
  • Excise Duty: ksh500
  • Credit insurance: ksh850
  • Loan duration: 12 months
  • Estimated Monthly repayment: ksh8,932
  • Estimated Total repayment amount: ksh110,721

This product is provided by KCB Bank Kenya Limited. KCB Bank Kenya Limited is a Commercial Bank licensed under the Banking Act Cap 488 of the Laws of Kenya and regulated by the Central Bank of Kenya

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  • Processing fee discounted by 1%
  • Security is not required


  • Requires business to have been in operation for at least 24 months
  • Requires a business to be formally registered

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How to Apply KCB Bank Kenya MSME Loan Offer, Structure, Repayment, Fees & Contacts

KCB Bank Kenya MSME Loan Offer is designed for KCB Bank business customers in response to the current harsh economic times to enable them to maintain liquidity for their working capital or to enable them to acquire trading assets.

Who is Eligible for KCB Bank Kenya MSME Loan Offer?

 KCB Bank Kenya MSME Loan Offer limits and Interest rates

Other Fees

KCB Bank Kenya MSME Loan Offer Interest Structure

How to Apply for Your First KCB Bank Kenya MSME Loan Offer

How to Apply for Your First KCB Bank Kenya MSME Loan Offer


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