Business Loan
SBM SME Business Loan
SBM Bank Kenya
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
14% - 16% p.a.
Loan Amount
Ksh 200,000 - Ksh 30,000,000
Approval Time
5-7 working days
Processing Fee
2% of principal%
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Pros & Cons
Pros
- Strong trade finance capability
- Kenya-Mauritius-India corridor expertise
- Competitive 14% starting rate
- Access to former Fidelity branch network
- Mauritian parent brings global standards
Cons
- KES 200K minimum excludes micro-businesses
- Still building Kenya brand awareness
- 5-year maximum tenure shorter than competitors
- Requires 2 years business history
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Product Details
Features
- SME loans up to KES 30 million
- Mauritian banking heritage (State Bank of Mauritius)
- Kenya-Mauritius-India trade corridor expertise
- Trade finance and letters of credit
- Working capital and asset financing
- Former Fidelity and Chase branch network
- SBM Business Online banking
- KDIC deposit protection
Eligibility Requirements
Age: 25 - 65 years
Min Income: Ksh 200,000/month
Employment: SME owner, Trader, Professional practice, Manufacturer
Required Documents
- Business registration
- Audited or management accounts (2 years)
- KRA PIN and tax compliance
- 12 months bank statements
- Trade licenses
Repayment Options
Standing orderDirect debit
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