Business Banking (SME) Solutions

At CIB Kenya, we understand that SMEs need flexible financial solutions to grow, innovate, and sustain their businesses. Our SME Proposition is designed to provide tailored financing.

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Product Guide

Solutions we Offer

SME Business Development Loan

Fuel your growth journey with the CIB SME Business Development Loan

Secured Overdraft

Maintain smooth cash flow with the CIB Secured Overdraft

Property Finance

Take ownership of your business premises or investment property with CIB Property
Finance

Equity Release

Leverage built-up property value with CIB Equity Release

Plot Purchase Loan

Expand your business footprint with the CIB Plot Purchase Loan

Stock Loans (Revolving or Non-Revolving)

Keep your shelves stocked and your business running smoothly with CIB Stock
Loans

Agency / Dealer Financing

Designed for dealers and agents

Invoice Discounting / Financing

Convert pending invoices into instant cash flow with CIB Invoice Financing

Contract / LPO Financing

Deliver on contracts and local purchase orders with CIB Contract/LPO Financing

Stock Finance Loan

Tailored for traders and retailers, CIB Stock Finance Loan supports businesses in industries

Auto Equity Loan

Turn your vehicle into a business growth tool.

Loans Secured by Shares

Leverage your investment portfolio to access working capital or expansion
financing

Digital Loans (Distributor, Merchant & Agent Finance)

Access instant financing via CIB’s digital platforms

Unsecured Business Loan

Finance your business without tangible collateral

Agribusiness Loan

Support your agribusiness journey with financing designed for farmers

Cash-Covered Facilities – Tayari Loan

Turn your savings into instant liquidity

Medical Loans (Institutional Loan)

Grow your practice with financing tailored for doctors, clinics, and hospitals

School Loans (Institutional Loans)

Support education growth with CIB School Loans

Temporary Overdraft (TOD)

Manage urgent short-term needs with the CIB Temporary Overdraft

WE CARE

Our dedicated team is committed to meeting
your needs

Online

Chat with the digital assistant or connect via social media

On phone

Immediate support and feedback available

In Branch

Personalized assistance from trained staff at branches