Business Loan
Family Bank SME Business Loan
Family Bank
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
13% - 15% p.a.
Loan Amount
Ksh 100,000 - Ksh 50,000,000
Approval Time
5-7 working days
Processing Fee
2% of principal%
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Pros & Cons
Pros
- Very competitive SME rates from 13%
- Long 7-year repayment tenure
- Strong SACCO and co-operative ties
- Sector-specific expertise (agri, manufacturing)
- Lower minimum of KES 100K accessible for small SMEs
Cons
- Full documentation required including audited accounts
- Approval takes 5-7 days (slower than fintechs)
- 2% processing fee on full amount
- Requires 2-year trading history
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Product Details
Features
- SME loans up to KES 50 million
- Flexible 7-year repayment period
- Collateral-optional for existing customers
- SACCO and co-operative partnerships
- Agri-business and manufacturing focus
- Invoice discounting and LPO financing
- Dedicated relationship manager for SMEs
- Pesa Pap business banking platform
Eligibility Requirements
Age: 25 - 65 years
Min Income: Ksh 100,000/month
Employment: SME owner, Trader, Manufacturer, Service provider
Required Documents
- Business registration certificate
- KRA PIN certificate
- Tax compliance certificate
- 12 months bank statements
- Audited or management accounts (2 years)
Repayment Options
Standing orderDirect debit
Ready to Apply?
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