KCB Bank Kenya Limited SME Term Secured Loan Details

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

SME Term Loan
Ksh100k - 250M
6 Months - 60 Months
Total Cost
17.45% annualized (year 1)
Certificate of Registration Required
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Loan Cost

  • Interest: 13%
  • Application Fee: 0
  • Processing Fee: 3%
  • Excise Duty: 20% of processing fee
  • Credit Insurance: 0.85%

Loan structure

  • Type: Secured
  • Interest structure: Reducing balance
  • Collateral needed: Life Insurance policies, title deeds, Shares

Loan  Details

  • Loan size: SME
  • Minimum tenure: 6 Months
  • Max tenure: 5 Years
  • Minimum Amount: ksh100K
  • Max amount: ksh250M
  • Repayment Frequency: Monthly


  • Time in operation: 12 Months
  • Banking History: 9 months


  • Certificate of Registration
  • Proprietor's KRA Pins
  • Proprietor's National IDs
  • 6 Months Bank statement
  • Business records
  • T&C Link

Example Representative Pricing

  • Loan Amount: ksh100,000
  • Annual Interest Rate: 13%
  • Processing Fee: ksh3000
  • Excise Duty: ksh600
  • 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

Money254 Review


  • Flexible security requirements


  • Requires security
  • Requires an active banking history for at least 9 months

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How to Apply KCB Bank Kenya SME Term Loan, Structure, Repayment, Fees & Contacts

KCB Bank Kenya SME Term loan is designed to give business people access to financing in order for them to drive their business’s current and long-term goals.

Who is Eligible for KCB Bank Kenya SME Term Loan?

 KCB Bank Kenya SME Term Loan limits and Interest rates

Other Fees

KCB Bank Kenya SME Term Loan Interest Structure

How to Apply for Your First KCB Bank Kenya SME Term Loan

How to Apply for Your First KCB Bank Kenya SME Term Loan


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