Business Loan
Credit Bank SME Business Loan
Credit Bank Kenya
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
14% - 16% p.a.
Loan Amount
Ksh 100,000 - Ksh 20,000,000
Approval Time
3-5 working days
Processing Fee
2.5% of principal%
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Pros & Cons
Pros
- Low KES 100K entry for small SMEs
- Accepts M-Pesa business statements
- Dedicated women and youth programs
- Strong SACCO relationships
- Faster 3-5 day approval
Cons
- Lower ceiling of KES 20M limits growth
- 2.5% processing fee above market
- 5-year maximum tenure
- Branch network still concentrated in major cities
Customer Reviews
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Product Details
Features
- SME loans up to KES 20 million
- Strong SACCO and co-operative lending network
- Women-owned business dedicated programs
- Youth entrepreneurship financing
- Credit Bank Business Mobile App
- Accepts M-Pesa business records
- Low KES 100K entry for small SMEs
- Branch network of 18 locations
Eligibility Requirements
Age: 21 - 65 years
Min Income: Ksh 75,000/month
Employment: SME owner, Trader, SACCO member business, Cooperative member
Required Documents
- Business registration or single business permit
- KRA PIN and tax compliance
- 12 months bank or M-Pesa statements
- Management accounts
- Trade licenses
Repayment Options
Standing orderM-Pesa paybillDirect debit
Ready to Apply?
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