Business Loan
KCB SME Term Loan
Kenya Commercial Bank
Last updated: January 14, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
12.5% - 15.5% p.a.
Loan Amount
Ksh 1,000,000 - Ksh 50,000,000
Approval Time
7-14 working days
Processing Fee
2%
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Pros & Cons
Pros
- Large loan amounts up to KES 50M
- Competitive rates (12.5-15.5%)
- Long repayment period up to 7 years
- Moratorium period available
- Dedicated relationship manager
- No early repayment penalties
Cons
- Requires established business (24 months minimum)
- Extensive documentation required
- Collateral mandatory
- Credit score check required
- Longer processing time (7-14 days)
Customer Reviews
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Product Details
Features
- Large loan amounts up to KES 50M
- Extended repayment period up to 7 years
- Competitive interest rates for established SMEs
- Structured repayment schedules
- Moratorium period available
- Dedicated relationship manager
- Free business banking package
- Loan restructuring options available
- Multiple security options accepted
Eligibility Requirements
Age: 25 - 70 years
0Employment: Business owner
Required Documents
- Copy of ID/Passport for directors
- KRA PIN Certificate (business and directors)
- Certificate of incorporation/Business registration
- Last 12 months audited accounts or management accounts
- Last 12 months business bank statements
- Business plan and financial projections
- Board resolution authorizing loan application
- Security documents (property title, asset details)
Repayment Options
Standing orderDirect debitBranch paymentCorporate internet banking
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Get started with KCB SME Term Loan today. Fast approval and competitive rates.
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