Bora Mikopo ya Biashara katika Homa Bay 2026

Linganisha 24+ mikopo ya biashara kutoka kwa benki 3+ katika Kaunti ya Homa Bay. 55% of adults have access to financial services.

24+

Bidhaa Zilizopo

Mashina ya Benki

1,131,950

Idadi ya Watu

mashina

Muonekano wa Kifedha wa Kaunti ya Homa Bay

Homa Bay County has extensive Lake Victoria shoreline supporting fishing. The county also produces sugar cane, rice, and has emerging gold mining activities.

Sekta Kuu

FishingAgricultureTradeServicesMining

Bidhaa Maarufu za Kifedha

Agricultural LoansBusiness LoansPersonal LoansMobile Money

Mchango wa Pato la Taifa: 1.2% of Kenya's GDP

Eneo: Nyanza

Benki Zinazotoa Mikopo ya Biashara katika Homa Bay

KCB

4 mashina

Homa Bay, Mbita, Ndhiwa, Oyugis

Tazama Bidhaa za KCB →

Equity Bank

3 mashina

Homa Bay, Mbita

Tazama Bidhaa za Equity Bank →

Co-operative Bank

2 mashina

Homa Bay, Oyugis

Tazama Bidhaa za Co-operative Bank →

Linganisha Mikopo ya Biashara Zinazopatikana katika Homa Bay

4G Capital SME Working Capital Loan

4G Capital

Kiwango cha Riba:

0.75% - 0.9%p.a.

Kiasi cha Mkopo:

KES 5,000 - KES 3,000,000

✓100% unsecured - no collateral needed
✓Loyalty program with reducing interest rates

Tazama Maelezo & Omba

ABSA Business Loan

Ilipendekezwa

ABSA Bank Kenya

Kiwango cha Riba:

13.5% - 17%p.a.

Kiasi cha Mkopo:

KES 200,000 - KES 25,000,000

✓Working capital financing
✓Asset acquisition loans

Tazama Maelezo & Omba

Wezesha Biashara SME Loan

ABSA Bank Kenya

Kiwango cha Riba:

14% - 17%p.a.

Kiasi cha Mkopo:

KES 100,000 - KES 15,000,000

✓Tailored for SME growth and expansion
✓Quick approval process (48-72 hours)

Tazama Maelezo & Omba

Co-op Asset Finance

Ilipendekezwa

Co-operative Bank of Kenya

Kiwango cha Riba:

13.5% - 16.5%p.a.

Kiasi cha Mkopo:

KES 500,000 - KES 50,000,000

✓Finance up to 90% of asset value
✓Wide range of assets covered (vehicles, machinery, equipment)

Tazama Maelezo & Omba

Co-op Biashara Loan

Ilipendekezwa

Co-operative Bank of Kenya

Kiwango cha Riba:

13% - 16%p.a.

Kiasi cha Mkopo:

KES 100,000 - KES 20,000,000

✓Loans for SMEs and cooperatives
✓Working capital financing

Tazama Maelezo & Omba

Equity SME Loan

Ilipendekezwa

Equity Bank Kenya

Kiwango cha Riba:

12.5% - 17%p.a.

Kiasi cha Mkopo:

KES 50,000 - KES 30,000,000

✓Loans up to KES 30 million
✓SME-friendly rates from 12.5%

Tazama Maelezo & Omba

Kilimo Maendeleo Agricultural Loan

Ilipendekezwa

Equity Bank

Kiwango cha Riba:

12% - 15%p.a.

Kiasi cha Mkopo:

KES 50,000 - KES 10,000,000

✓Tailored for agricultural enterprises
✓Flexible repayment aligned with harvest seasons

Tazama Maelezo & Omba

Equity SME Development Loan

Ilipendekezwa

Equity Bank

Kiwango cha Riba:

13% - 16%p.a.

Kiasi cha Mkopo:

KES 100,000 - KES 30,000,000

✓Loan amounts up to KES 30M
✓Extended repayment up to 6 years

Tazama Maelezo & Omba

Jijenge Merchant Advance

Jijenge Credit

Kiwango cha Riba:

10% - 15%p.a.

Kiasi cha Mkopo:

KES 50,000 - KES 2,000,000

✓Merchant cash advance based on sales
✓Daily repayment from transactions

Tazama Maelezo & Omba

KCB Boresha Biashara Loan

Ilipendekezwa

Kenya Commercial Bank

Kiwango cha Riba:

13.5% - 16%p.a.

Kiasi cha Mkopo:

KES 50,000 - KES 5,000,000

✓Tailored for small and medium businesses
✓No collateral required for loans up to KES 1M

Tazama Maelezo & Omba

KCB Business Loan

Ilipendekezwa

Kenya Commercial Bank

Kiwango cha Riba:

13% - 18%p.a.

Kiasi cha Mkopo:

KES 100,000 - KES 50,000,000

✓Loans up to KES 50 million
✓Flexible repayment up to 5 years

Tazama Maelezo & Omba

KCB SME Term Loan

Ilipendekezwa

Kenya Commercial Bank

Kiwango cha Riba:

12.5% - 15.5%p.a.

Kiasi cha Mkopo:

KES 1,000,000 - KES 50,000,000

✓Large loan amounts up to KES 50M
✓Extended repayment period up to 7 years

Tazama Maelezo & Omba

Kopokopo Grow Merchant Loan

Ilipendekezwa

Kopokopo

Kiwango cha Riba:

5% - 7%p.a.

Kiasi cha Mkopo:

KES 5,000 - KES 500,000

✓Instant loans based on M-Pesa transactions
✓Automatic repayment from daily sales

Tazama Maelezo & Omba

KWFT Biashara Business Loan

Kenya Women Microfinance Bank

Kiwango cha Riba:

1.5% - 2%p.a.

Kiasi cha Mkopo:

KES 5,000 - KES 2,000,000

✓Africa's only women's bank
✓No traditional collateral required

Tazama Maelezo & Omba

Lipa Later Merchant Advance

Ilipendekezwa

Lipa Later

Kiwango cha Riba:

3% - 5%p.a.

Kiasi cha Mkopo:

KES 10,000 - KES 1,000,000

✓Get paid instantly when customers buy on credit
✓Customers pay in installments over 3-12 months

Tazama Maelezo & Omba

Marble Capital Biashara Loan

Marble Capital Solutions

Kiwango cha Riba:

3% - 5%p.a.

Kiasi cha Mkopo:

KES 50,000 - KES 2,000,000

✓Flexible 4/6/8 week terms
✓Fast approval process

Tazama Maelezo & Omba

Mogo Asset Financing

Ilipendekezwa

Mogo Kenya

Kiwango cha Riba:

13% - 17%p.a.

Kiasi cha Mkopo:

KES 30,000 - KES 3,000,000

✓Finance motorcycles from KES 30,000
✓Quick mobile app processing

Tazama Maelezo & Omba

NCBA Business Loan

Ilipendekezwa

NCBA Bank

Kiwango cha Riba:

14% - 18%p.a.

Kiasi cha Mkopo:

KES 500,000 - KES 50,000,000

✓Working capital loans up to KES 50M
✓Asset finance for equipment

Tazama Maelezo & Omba

Pezesha Wezesha Biashara Loan

Pezesha Africa Limited

Kiwango cha Riba:

✓Working capital financing for SMEs
✓No hidden charges

Tazama Maelezo & Omba

Stanbic SME Financing

Ilipendekezwa

Stanbic Bank Kenya

Kiwango cha Riba:

13.5% - 19%p.a.

Kiasi cha Mkopo:

KES 200,000 - KES 100,000,000

✓Up to KES 100M for established businesses
✓Flexible repayment up to 7 years

Tazama Maelezo & Omba

Stawi SME Loan

Stawi

Kiwango cha Riba:

9% - 9%p.a.

Kiasi cha Mkopo:

KES 30,000 - KES 250,000

✓Lowest interest rate at 9% p.a.
✓Backed by CBK and 5 major banks

Tazama Maelezo & Omba

Watu Motorbike Financing

Watu Credit

Kiwango cha Riba:

2.99% - 4.5%p.a.

Kiasi cha Mkopo:

KES 40,000 - KES 350,000

✓Finance new and quality used motorbikes
✓Deposit from as low as 10%

Tazama Maelezo & Omba

Watu Business Loan

Ilipendekezwa

Watu Credit Limited

Kiwango cha Riba:

14% - 18%p.a.

Kiasi cha Mkopo:

KES 50,000 - KES 5,000,000

✓Asset financing for motorcycles and tuktuks
✓Flexible payment plans

Tazama Maelezo & Omba

Zanifu Inventory Financing

Zanifu

Kiwango cha Riba:

3.5% - 5%p.a.

Kiasi cha Mkopo:

KES 5,000 - KES 200,000

✓Inventory-backed financing
✓Repay through business revenue

Tazama Maelezo & Omba

Vidokezo vya Kupata Mikopo ya Biashara katika Homa Bay

💡Fishing communities can access beach management unit financing
💡Sugar cane farmers should explore factory-linked financing
💡Mobile money is essential for island communities
💡Small-scale miners can find equipment financing options

Jinsi ya Kuomba Mikopo ya Biashara katika Homa Bay

Linganisha: Tumia PesaMarket kulinganisha mikopo ya biashara kutoka benki 3+
Kagua sifa: Kagua mahitaji ya bidhaa unayopendelea - kipato, umri, hali ya CRB
Kusanya nyaraka: Andaa kitambulisho, KRA PIN, payslips au taarifa za M-Pesa
Omba: Tembelea tawi katika Homa Bay au omba mtandaoni kupitia tovuti/ programu ya benki
Subiri idhini: Mikopo mingi mikopo ya biashara inashughulikiwa ndani ya masaa 24-72

Maswali Yanayoulizwa Mara kwa Mara: Mikopo ya Biashara katika Homa Bay

Ni zipi Mikopo ya Biashara bora katika Kaunti ya Homa Bay?

Mikopo bora ya mikopo ya biashara katika Kaunti ya Homa Bay inajumuisha bidhaa kutoka KCB, Equity Bank, Co-operative Bank. Viwango vya riba vinanzia karibu 9.9% p.a. kulingana na bidhaa na wasifu wako wa mkopo. Linganisha chaguzi zote 24+ kwenye PesaMarket ili kupata inayokufaa.

Ninaomba vipi mikopo ya biashara katika Homa Bay?

Ku-apply mikopo ya biashara katika Homa Bay: 1) Linganisha products kwenye PesaMarket kupata best rates. 2) Angalia eligibility requirements kwa option yako. 3) Tembelea branch katika Homa Bay au Ndhiwa au apply online. 4) Submit documents required ikiwa ni pamoja na ID, KRA PIN, na proof of income. Applications nyingi zinashughulikiwa ndani ya masaa 24-48.

Ni benki zipi zina matawi katika Kaunti ya Homa Bay?

Benki kuu zenye matawi katika Kaunti ya Homa Bay ni pamoja na: KCB (4 mashina - Homa Bay, Mbita, Ndhiwa); Equity Bank (3 mashina - Homa Bay, Mbita); Co-operative Bank (2 mashina - Homa Bay, Oyugis). Pia unaweza kupata huduma za benki za simu na mikopo ya kidijitali kutoka popote katika Homa Bay.

Ni mshahara gani wa chini ili kustahiki kwa mikopo ya biashara katika Homa Bay?

Minimum salary requirements kwa mikopo ya biashara katika Homa Bay zinatofautiana na provider. Banks nyingi zinahitaji minimum monthly income ya KES 15,000-30,000 kwa personal loans. Digital lenders kama Branch, Tala, na M-Shwari wana lower requirements. Self-employed wanaweza qualify na 6+ months M-Pesa statements au business records.

Je, kuna mikopo ya biashara bila ukaguzi wa CRB katika Homa Bay?

Watoa mikopo wa kidijitali katika Homa Bay wanatoa mikopo ya biashara zenye mahitaji ya CRB yasiyo na ukakasi. M-Shwari, Fuliza, na baadhi ya watoa mikopo wa programu wanaweza kuidhinisha mikopo kwa wakopaji wa mara ya kwanza au wale wanaojenga tena mkopo. Hata hivyo, benki nyingi zitakagua hali yako ya CRB. Unaweza kuangalia ripoti yako ya CRB bure mara moja kwa mwaka katika ofisi yoyote ya CRB.

Mikopo ya Biashara katika Kaunti za Nyanza za Karibu

Mikopo ya Biashara - Kisumu Mikopo ya Biashara - Siaya Mikopo ya Biashara - Migori Mikopo ya Biashara - Kisii Mikopo ya Biashara - Nyamira

Bidhaa Nyingine za Kifedha katika Homa Bay

💰Mikopo ya Kibinafsi 💳Kadi za Mkopo 📱Mikopo ya Simu 🏠Mikopo ya Nyumba

Mikopo ya Biashara katika Miji Mikuu ya Homa Bay

Iwe uko katika Homa Bay, Ndhiwa, Mbita, Oyugis, au sehemu nyingine yoyote ya Kaunti ya Homa Bay, unaweza kupata mikopo ya biashara kutoka kwa taasisi za kifedha zinazoongoza. Homa Bay ina matawi mengi ya benki, lakini huduma za benki za simu na mikopo ya kidijitali zinapatikana katika eneo lote la Nyanza. Jukwaa letu linakusaidia kulinganisha viwango na kupata mikopo ya biashara bora kwa mahitaji yako.

Uko Tayari Ku-Apply?

Linganishia 24+ mikopo ya biashara kutoka kwa benki bora katika Homa Bay. Pata viwango bora na omba mtandaoni leo.

Linganisha Zote Mikopo ya Biashara Hesabu Malipo ya Kila Mwezi