SME Business Development Loan
Fuel your growth journey with the CIB SME Business Development Loan—crafted to support expansion, diversification, or working capital.
Features
Loan Amount
Minimum and maximum based on serviceability
Tenor
Up to 6 years (Capex) or 3 years (Working Capital)
Security
Required per CIB Credit Risk Policy
Repayment
Amortized monthly (principal + interest)
Top Up
Allowed after 12 months of successful repayment; max 2 top-ups within tenor; loan must be current and never in arrears >30 days in last 6 months
Benefits
• Flexible financing for both long-term investment and short-term liquidity
• Access to credit guarantee schemes, easing collateral requirements
• Structured top-up option for ongoing business growth
Secured Overdraft
Maintain smooth cash flow with the CIB Secured Overdraft—a short-term facility
tied to your current account.
Features
Loan Amount
Minimum and maximum based on serviceability
Tenor
Up to 12 months, renewable
Security
As per CIB Credit Risk Policy; CGS/ATI/AGF guarantee up to 50% accepted
Repayment
Through credits made into the overdraft account
Limit
Up to 25% of annual turnover, or within business cash cycle (whichever is shorter)
Account conduct
Max 5 unpaid items in 6 months; max 3 unauthorized excess drawings in 6 months
Benefits
Reliable working capital buffer
Interest charged only on utilized amounts
Renewable annually to maintain continuity
Property Finance
Expand your business footprint with the CIB Plot Purchase Loan—affordable financing for land acquisition.
Features
Loan Amount
Minimum and maximum based on serviceability
Financing
(subject to eligibility)
Security
As per CIB Credit Risk Policy; property purchased held as security
Top Up
Eligible after 12 months of clean repayment; max 2 within tenor
Repayment
Amortized monthly (principal + interest)
Benefits
Long Tenor for affordable payements
Enables both business and personal property ownersip
Flexible financing for premises, rental income or investment property
Equity Release
Leverage built-up property value with CIB Equity Release—unlock funds from existing mortgages or unencumbered property to fuel expansion or working capital.
Features
Tenor
Up to 5 years
Security
Existing mortgage or free-title property (developed and complete only)
Eligible property
(subject to eligibility)
Repayment
Amortized monthly (principal + interest)
Top Up
Eligible after 12 months of clean repayment; max 2 within tenor
Benefits
Access liquidity without selling assets
Supports expansion, renovations, or capital investments
Flexible structure aligned with purpose and collateral
Plot Purchase Loan
Expand your business footprint with the CIB Plot Purchase Loan—affordable financing for land acquisition.
Features
Loan Amount
Minimum and maximum based on serviceability
Top-up
Eligible after 12 months of clean repayment; max 2 within tenor
Security
As per CIB Credit Risk Policy; property purchased held as security
Tenor
Up to 60 months (5 years)
Repayment
Amortized monthly (principal + interest)
Conditions
- Business must be at least 2 years old
- Plot size ≤ 5 acres
- Applicant (sole proprietor) must be aged 25–65
Benefits
Enables SMEs to secure strategic land plots
Affordable repayment over 5 years
Financing aligned with existing cash flows
Stock Loans (Revolving or Non-Revolving)
Keep your shelves stocked and your business running smoothly with CIB Stock Loans—designed to finance the purchase or buffer of inventory for seamless operations.
Features
Loan Amount
Minimum and maximum based on serviceability
Disbursement
Directly to supplier against invoices and delivery evidence
Security
As per CIB Credit Risk Policy
Tenor
Up to 36 months (non-revolving); 12 months for revolving limits
Repayment
Equal monthly instalments (principal + interest) or bullet for revolving cases
Drawdowns
Max 180 days, subject to business cash cycle
Benefits
Ensures continuous flow of inventory
Flexible repayment cycles aligned to stock turnover
Strengthens supplier relationships through direct payments
Stock Finance Loan
Tailored for traders and retailers, CIB Stock Finance Loan supports businesses in industries such as hardware, spare parts, fashion, and FMCG with targeted inventory financing.
Features
Loan Amount
Minimum and maximum based on serviceability
Disbursement
Direct to suppliers; for loans less than KES 2M, funds may be credited to client account for local suppliers
Security
Registered chattels mortgage + deed of hypothecation of stock;
Tenor
Up to 24 months, tied to borrower’s stock cycle
Repayment
Fortnightly, monthly, or bullet payments
Insurance
Credit Life + Fire and Burglary cover (through CIB Insurance Agency)
Benefits
Ensures steady inventory flow
Sector-focused lending for traders in Nairobi, Mombasa, Nakuru, Kisumu, Kakamega & more
Relationship Manager support with monthly visits and stock reviews
Auto Equity Loan
Turn your vehicle into a business growth tool. With CIB Auto Equity Loan, SMEs can unlock up to 50% of their vehicle’s value for expansion or working capital.
Features
Loan Amount
Minimum and maximum based on serviceability and up to 50% of current vehicle value as per market valuation.
Top-up
Not allowed (exceptions require Head of Segment approval)
Security
Vehicle valuation by CIB-approved valuer; comprehensive insurance; tracking device mandatory
Tenor
Up to 36 months (expansion/diversification) or 24 months (working capital)
Repayment
Amortized monthly (principal + interest)
Benefits
Unlocks liquidity from owned vehicles
Flexible repayment aligned with business income
Supports both short-term and long-term needs
Loans Secured by Shares
Leverage your investment portfolio to access working capital or expansion financing—without liquidating your assets.
Features
Loan Amount
Minimum and maximum based on serviceability
Tenor
Up to 36 months (expansion/diversification) or 24 months (working capital)
Security
Lien over listed shares, revalued quarterly
Repayment
Amortized monthly (principal + interest)
Benefits
Flexible repayment tied to business income
Opportunity to grow business without selling investments
Access financing while retaining ownership of shares
Agency / Dealer Financing
Designed for dealers and agents, this facility provides capital for expansion and working capital needs, backed by commissions and contracts.
Features
Loan Amount
Minimum and maximum based on serviceability
Tenor
Up to 24 months
Security
Unsecured (subject to commission flows)
Insurance
Personal accident & death cover required
Repayment
Monthly amortized instalments
Benefits
Supports growth of dealership and agency operations
Affordable repayments linked directly to commissions
Access to financing without tangible collateral
Invoice Discounting / Financing
Convert pending invoices into instant cash flow with CIB Invoice Financing—your bridge between receivables and liquidity.
Features
Loan Amount
Minimum and maximum based on serviceability
Financing
Up to 80% of invoice value
Security
Assignment of invoices; CGS/ATI/AGF cover up to 50%
Unsecured option
Up to KES 5M
Repayment
Bullet payment from invoice proceeds
Tenor
Up to 120 days or within invoice maturity
Benefits
• Quick access to working capital against receivables
• Strengthens supplier/customer relationships by ensuring timely service delivery
• Flexibility to cover short-term operational gaps
Requirements & Terms
• Business vintage: ≥2 years
• Valid invoices and delivery notes/contracts
• Assignment of receivables to CIB
• Invoice approval / acknowledgment by payer
Contract / LPO Financing
Features
Loan Amount
Minimum and maximum based on serviceability
Financing
Up to 70% of contract value
Security
Assignment of contract proceeds
Tenor
Up to 180 days, aligned with contract/LPO delivery timelines
Repayment
Bullet at contract maturity or per inflows
Benefits
• Enables SMEs to execute contracts without cash flow strain
• Builds credibility with suppliers and principals
• Flexible financing structured around contract cycles
Digital Loans (Distributor, Merchant & Agent Finance)
Access instant financing via CIB’s digital platforms—fast, convenient, and tailored for distributors, merchants, and agents.
Features
Loan Amount
Minimum and maximum based on serviceability
Disbursment
Straight to account or mobile wallet
Security
None (based on transaction data and flows)
Tenor
Up to 6 months
Repayment
Automated deductions from till or commission inflows
Benefits
• Fast access to short-term funding
• 100% digital application and approval
• Repayments seamlessly deducted from business income
Unsecured Business Loan
Finance your business without tangible collateral. The CIB Unsecured Business Loan provides easy access to working capital and expansion funding
Features
Loan Amount
Minimum and maximum based on serviceability
Top Up
Available after 12 months of clean repayment
Repayment
Bullet at contract maturity or per inflows
Tenor
- 24 months for businesses operating for 12–24 months
- 36 months for businesses operating for more than 24 months
Benefits
• Quick funding without collateral burden
• Structured repayment flexibility
• Ideal for fast-growing SMEs
Agribusiness Loan
Support your agribusiness journey with financing designed for farmers, aggregators, and agri-SMEs.
Features
Loan Amount
Minimum and maximum based on serviceability
Financing
Up to KES 45,000 per acre or 75% of crop production cost
Security
Land title or chattels mortgage
Insurance
Multi-peril crop insurance mandatory
Repayment
Structured around harvest cycles (bullet or amortized)
Tenor
Up to 24 months, aligned with crop cycles
Benefits
• Tailored to agricultural production cycles
• Protects against crop failure through insurance cover
• Flexible repayment matching harvest inflows
Cash-Covered Facilities – Tayari Loan
Turn your savings into instant liquidity. With the CIB Tayari Loan, you can borrow against your fixed deposits while keeping your investment intact.
Features
Loan Amount
Up to 90% of LCY fixed deposit / 80% of FCY fixed deposit
Tenor
The deposit maturity is aligned with the facility expiry date
Security
Fixed deposit lien (cash covered)
Disbursement
Amortized or bullet at maturity
Repayment
Amortized or bullet at maturity
Benefits
• Access quick financing without breaking your savings
• Flexible repayment options
• Competitive interest linked to deposit
Medical Loans (Institutional Loan)
Grow your practice with financing tailored for doctors, clinics, and hospitals. From equipment purchase to facility expansion, the CIB Medical Loan keeps your healthcare business thriving.
Features
Loan Amount
Minimum and maximum amounts based on serviceability
Tenor
Up to 7 years
Security
Movable/immovable assets or guarantee cover
Insurance
Credit Life cover required
Repayment
Monthly instalments (principal + interest)
Benefits
• Long tenor ideal for financing medical equipment
• Flexible repayment terms
• Strengthens healthcare delivery capacity
School Loans (Institutional Loans)
Support education growth with CIB School Loans—financing for registered private schools to expand, modernize, or invest in new infrastructure.
Features
Loan Amount
Minimum and maximum amounts based on serviceability
Tenor
Up to 7 years
Security
Movable/immovable assets or guarantee cover
Insurance
Credit Life cover required
Repayment
Amortized monthly (principal + interest)
Eligibility
Eligible to Registered private school with Ministry of Education license
Benefits
• Long tenor for school development projects
• Repayment flexibility aligned with school cash flows
• Ideal for expansion, renovation, and equipment purchases
Temporary Overdraft (TOD)
Manage urgent short-term needs with the CIB Temporary Overdraft—quick, convenient access to liquidity for SMEs.
Features
Loan Amount
Minimum and maximum amounts based on serviceability
Tenor
Up to 30 days
Security
None (based on account performance)
Frequency
Max 3 TODs per year
Repayment
Amortized monthly (principal + interest)
Benefits
• Immediate funding for urgent business expenses
• Simple approval and disbursement
• No collateral required for qualified customers
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