Business Loan
Sidian SME Business Loan
Sidian Bank
Last updated: April 16, 2026
Status unverified
★★★★★
0/5Based on 0 Reviews
Interest Rate
14% - 17% p.a.
Loan Amount
Ksh 100,000 - Ksh 20,000,000
Approval Time
48-72 hours
Processing Fee
2.5% of principal%
Rating Breakdown
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Pros & Cons
Pros
- Accepts informal businesses (M-Pesa statements)
- Fast 48-72 hour approval
- Low entry at KES 100K for small traders
- Women-specific lending windows
- Free business development training
Cons
- Higher rates than Tier 1 (up to 17%)
- Lower ceiling of KES 20M
- 5-year maximum tenure is limiting
- 2.5% processing fee above market average
Customer Reviews
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Product Details
Features
- SME loans up to KES 20 million
- Dedicated MSE (Micro and Small Enterprise) lender
- Accepts M-Pesa business statements
- Women-in-business lending programs
- Boda boda and hustler-friendly products
- Sidian Business App
- Partial secured options for smaller loans
- Business development training included
Eligibility Requirements
Age: 21 - 65 years
Min Income: Ksh 50,000/month
Employment: Micro enterprise, Small business, Trader, Boda boda operator
Required Documents
- Business registration or single business permit
- KRA PIN
- 6 months bank or M-Pesa statements
- Business premises verification
Repayment Options
Standing orderM-Pesa paybillBranch
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