Best Business Loans in Kirinyaga 2026
Compare 24+ business loans from 3+ banks in Kirinyaga County. 71% of adults have access to financial services.
Kirinyaga County Financial Overview
Kirinyaga County is known for rice production from Mwea Irrigation Scheme, coffee farming, and tourism around Mt. Kenya. The county has high agricultural productivity and active cooperatives.
Main Industries
Popular Financial Products
Banks Offering Business Loans in Kirinyaga
Compare Business Loans Available in Kirinyaga
4G Capital SME Working Capital Loan
4G Capital
0.75% - 0.9%p.a.
KES 5,000 - KES 3,000,000
- â100% unsecured - no collateral needed
- âLoyalty program with reducing interest rates
ABSA Business Loan
FeaturedABSA Bank Kenya
13.5% - 17%p.a.
KES 200,000 - KES 25,000,000
- âWorking capital financing
- âAsset acquisition loans
Wezesha Biashara SME Loan
ABSA Bank Kenya
14% - 17%p.a.
KES 100,000 - KES 15,000,000
- âTailored for SME growth and expansion
- âQuick approval process (48-72 hours)
Co-op Asset Finance
FeaturedCo-operative Bank of Kenya
13.5% - 16.5%p.a.
KES 500,000 - KES 50,000,000
- âFinance up to 90% of asset value
- âWide range of assets covered (vehicles, machinery, equipment)
Co-op Biashara Loan
FeaturedCo-operative Bank of Kenya
13% - 16%p.a.
KES 100,000 - KES 20,000,000
- âLoans for SMEs and cooperatives
- âWorking capital financing
Equity SME Loan
FeaturedEquity Bank Kenya
12.5% - 17%p.a.
KES 50,000 - KES 30,000,000
- âLoans up to KES 30 million
- âSME-friendly rates from 12.5%
Kilimo Maendeleo Agricultural Loan
FeaturedEquity Bank
12% - 15%p.a.
KES 50,000 - KES 10,000,000
- âTailored for agricultural enterprises
- âFlexible repayment aligned with harvest seasons
Equity SME Development Loan
FeaturedEquity Bank
13% - 16%p.a.
KES 100,000 - KES 30,000,000
- âLoan amounts up to KES 30M
- âExtended repayment up to 6 years
Jijenge Merchant Advance
Jijenge Credit
10% - 15%p.a.
KES 50,000 - KES 2,000,000
- âMerchant cash advance based on sales
- âDaily repayment from transactions
KCB Boresha Biashara Loan
FeaturedKenya Commercial Bank
13.5% - 16%p.a.
KES 50,000 - KES 5,000,000
- âTailored for small and medium businesses
- âNo collateral required for loans up to KES 1M
KCB Business Loan
FeaturedKenya Commercial Bank
13% - 18%p.a.
KES 100,000 - KES 50,000,000
- âLoans up to KES 50 million
- âFlexible repayment up to 5 years
KCB SME Term Loan
FeaturedKenya Commercial Bank
12.5% - 15.5%p.a.
KES 1,000,000 - KES 50,000,000
- âLarge loan amounts up to KES 50M
- âExtended repayment period up to 7 years
Kopokopo Grow Merchant Loan
FeaturedKopokopo
5% - 7%p.a.
KES 5,000 - KES 500,000
- âInstant loans based on M-Pesa transactions
- âAutomatic repayment from daily sales
KWFT Biashara Business Loan
Kenya Women Microfinance Bank
1.5% - 2%p.a.
KES 5,000 - KES 2,000,000
- âAfrica's only women's bank
- âNo traditional collateral required
Lipa Later Merchant Advance
FeaturedLipa Later
3% - 5%p.a.
KES 10,000 - KES 1,000,000
- âGet paid instantly when customers buy on credit
- âCustomers pay in installments over 3-12 months
Marble Capital Biashara Loan
Marble Capital Solutions
3% - 5%p.a.
KES 50,000 - KES 2,000,000
- âFlexible 4/6/8 week terms
- âFast approval process
Mogo Asset Financing
FeaturedMogo Kenya
13% - 17%p.a.
KES 30,000 - KES 3,000,000
- âFinance motorcycles from KES 30,000
- âQuick mobile app processing
NCBA Business Loan
FeaturedNCBA Bank
14% - 18%p.a.
KES 500,000 - KES 50,000,000
- âWorking capital loans up to KES 50M
- âAsset finance for equipment
Pezesha Wezesha Biashara Loan
Pezesha Africa Limited
- âWorking capital financing for SMEs
- âNo hidden charges
Stanbic SME Financing
FeaturedStanbic Bank Kenya
13.5% - 19%p.a.
KES 200,000 - KES 100,000,000
- âUp to KES 100M for established businesses
- âFlexible repayment up to 7 years
Stawi SME Loan
Stawi
9% - 9%p.a.
KES 30,000 - KES 250,000
- âLowest interest rate at 9% p.a.
- âBacked by CBK and 5 major banks
Watu Motorbike Financing
Watu Credit
2.99% - 4.5%p.a.
KES 40,000 - KES 350,000
- âFinance new and quality used motorbikes
- âDeposit from as low as 10%
Watu Business Loan
FeaturedWatu Credit Limited
14% - 18%p.a.
KES 50,000 - KES 5,000,000
- âAsset financing for motorcycles and tuktuks
- âFlexible payment plans
Zanifu Inventory Financing
Zanifu
3.5% - 5%p.a.
KES 5,000 - KES 200,000
- âInventory-backed financing
- âRepay through business revenue
Tips for Getting Business Loans in Kirinyaga
- đĄRice farmers in Mwea can access irrigation scheme financing
- đĄCoffee farmers have cooperative-linked financing options
- đĄSACCOs offer excellent rates for agricultural activities
- đĄTourism businesses around Mt. Kenya can find business loans
How to Apply for Business Loans in Kirinyaga
- Compare: Use PesaMarket to compare business loans from 3+ banks
- Check eligibility: Review requirements for your preferred product - income, age, CRB status
- Gather documents: Prepare ID, KRA PIN, payslips or M-Pesa statements
- Apply: Visit a branch in Kerugoya or apply online through the bank's website/app
- Wait for approval: Most business loans are processed within 24-72 hours
Frequently Asked Questions: Business Loans in Kirinyaga
What are the best Business Loans in Kirinyaga County?
The best business loans in Kirinyaga include products from KCB, Equity Bank, Co-operative Bank. Interest rates start from around 9.9% p.a. depending on the product and your credit profile. Compare all 24+ options on PesaMarket to find the best fit for your needs.
How do I apply for business loans in Kirinyaga?
To apply for business loans in Kirinyaga: 1) Compare products on PesaMarket to find the best rates. 2) Check eligibility requirements for your preferred option. 3) Visit a bank branch in Kerugoya or Kutus or apply online. 4) Submit required documents including ID, KRA PIN, and proof of income. Most applications are processed within 24-48 hours.
Which banks have branches in Kirinyaga County?
Major banks with branches in Kirinyaga include: KCB (4 branches - Kerugoya, Kutus, Wang'uru); Equity Bank (3 branches - Kerugoya, Kutus, Sagana); Co-operative Bank (3 branches - Kerugoya, Wang'uru). You can also access mobile banking and digital loans from anywhere in Kirinyaga.
What is the minimum salary to qualify for business loans in Kirinyaga?
Minimum salary requirements for business loans in Kirinyaga vary by provider. Most banks require a minimum monthly income of KES 15,000-30,000 for personal loans. Digital lenders like Branch, Tala, and M-Shwari have lower requirements. Self-employed individuals can qualify with 6+ months of M-Pesa statements or business records.
Are there business loans without CRB check in Kirinyaga?
Some digital lenders in Kirinyaga offer business loans with flexible CRB requirements. M-Shwari, Fuliza, and some app-based lenders may approve loans for first-time borrowers or those rebuilding credit. However, most banks will check your CRB status. You can check your CRB report for free once a year at any CRB bureau.
Business Loans in Nearby Central Counties
Other Financial Products in Kirinyaga
Business Loans in Kirinyaga's Major Towns
Whether you're in Kerugoya, Kutus, Sagana, Baricho, or any other part of Kirinyaga County, you can access business loans from leading financial institutions. Kerugoya has the most bank branches, but mobile banking and digital loans are available across the entire Central region. Our platform helps you compare rates and find the best business loans for your needs.
Ready to Apply?
Compare 24+ business loans from top banks in Kirinyaga. Find the best rates and apply online today.