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Business Loans in Kenya
Compare SME financing options from banks and fintech lenders. Fund your business growth with competitive rates.
There are 24 business loans available in Kenya with interest rates from 0.75% to 19% per annum. Amounts range from KES 5,000 to KES 100,000,000. PesaMarket updates this data regularly.
Showing 24 of 24 products
4G Capital SME Working Capital Loan
4G Capital
Interest Rate
95% below average0.75% - 0.9%
per annum
- 100% unsecured - no collateral needed
- Loyalty program with reducing interest rates
â Growing SMEs
ABSA Business Loan
ABSA Bank Kenya
Interest Rate
16% below average13.5% - 17%
per annum
- Working capital financing
- Asset acquisition loans
â SME business expansion
Wezesha Biashara SME Loan
ABSA Bank Kenya
Interest Rate
12% below average14% - 17%
per annum
- Tailored for SME growth and expansion
- Quick approval process (48-72 hours)
â Vehicle fleet acquisition
Co-op Asset Finance
Co-operative Bank of Kenya
Interest Rate
16% below average13.5% - 16.5%
per annum
- Finance up to 90% of asset value
- Wide range of assets covered (vehicles, machinery, equipment)
â Cooperative societies
Co-op Biashara Loan
Co-operative Bank of Kenya
Interest Rate
19% below average13% - 16%
per annum
- Loans for SMEs and cooperatives
- Working capital financing
â Small and medium enterprises
Equity SME Loan
Equity Bank Kenya
Interest Rate
22% below average12.5% - 17%
per annum
- Loans up to KES 30 million
- SME-friendly rates from 12.5%
â Crop farming expansion
Kilimo Maendeleo Agricultural Loan
Equity Bank
Interest Rate
25% below average12% - 15%
per annum
- Tailored for agricultural enterprises
- Flexible repayment aligned with harvest seasons
â Business expansion projects
Equity SME Development Loan
Equity Bank
Interest Rate
19% below average13% - 16%
per annum
- Loan amounts up to KES 30M
- Extended repayment up to 6 years
â Small retailers
Jijenge Merchant Advance
Jijenge Credit
Interest Rate
37% below average10% - 15%
per annum
- Merchant cash advance based on sales
- Daily repayment from transactions
â Small business expansion
KCB Boresha Biashara Loan
Kenya Commercial Bank
Interest Rate
16% below average13.5% - 16%
per annum
- Tailored for small and medium businesses
- No collateral required for loans up to KES 1M
â Established SMEs
KCB Business Loan
Kenya Commercial Bank
Interest Rate
19% below average13% - 18%
per annum
- Loans up to KES 50 million
- Flexible repayment up to 5 years
â Business expansion projects
KCB SME Term Loan
Kenya Commercial Bank
Interest Rate
22% below average12.5% - 15.5%
per annum
- Large loan amounts up to KES 50M
- Extended repayment period up to 7 years
â Small M-Pesa merchants
Kopokopo Grow Merchant Loan
Kopokopo
Interest Rate
69% below average5% - 7%
per annum
- Instant loans based on M-Pesa transactions
- Automatic repayment from daily sales
KWFT Biashara Business Loan
Kenya Women Microfinance Bank
Interest Rate
91% below average1.5% - 2%
per annum
- Africa's only women's bank
- No traditional collateral required
â Retail electronics stores
Lipa Later Merchant Advance
Lipa Later
Interest Rate
81% below average3% - 5%
per annum
- Get paid instantly when customers buy on credit
- Customers pay in installments over 3-12 months
Marble Capital Biashara Loan
Marble Capital Solutions
Interest Rate
81% below average3% - 5%
per annum
- Flexible 4/6/8 week terms
- Fast approval process
â Boda boda riders buying first motorcycle
Mogo Asset Financing
Mogo Kenya
Interest Rate
19% below average13% - 17%
per annum
- Finance motorcycles from KES 30,000
- Quick mobile app processing
â Established SMEs
NCBA Business Loan
NCBA Bank
Interest Rate
12% below average14% - 18%
per annum
- Working capital loans up to KES 50M
- Asset finance for equipment
Pezesha Wezesha Biashara Loan
Pezesha Africa Limited
Interest Rate
Varies
per annum
- Working capital financing for SMEs
- No hidden charges
â Established SMEs
Stanbic SME Financing
Stanbic Bank Kenya
Interest Rate
16% below average13.5% - 19%
per annum
- Up to KES 100M for established businesses
- Flexible repayment up to 7 years
Stawi SME Loan
Stawi
Interest Rate
44% below average9% - 9%
per annum
- Lowest interest rate at 9% p.a.
- Backed by CBK and 5 major banks
â Boda boda riders needing motorcycle financing
Watu Business Loan
Watu Credit Limited
Interest Rate
12% below average14% - 18%
per annum
- Asset financing for motorcycles and tuktuks
- Flexible payment plans
â Boda boda operators starting business
Watu Motorbike Financing
Watu Credit
Interest Rate
81% below average2.99% - 4.5%
per annum
- Finance new and quality used motorbikes
- Deposit from as low as 10%
Zanifu Inventory Financing
Zanifu
Interest Rate
78% below average3.5% - 5%
per annum
- Inventory-backed financing
- Repay through business revenue
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Expert Advice
âMost Kenyan SMEs overpay on business loans because they only consider their primary bank. Alternative lenders often offer 30-40% lower rates for the same loan amount.â