Reviews
Business Loans Updated: 14. 04. 2026

Equity Bank Business Loan – review 2026

4,3 / 5

Equity Bank Kenya offers a range of business loan products for SMEs, including working capital loans, asset finance and term loans of up to KES 50,000,000. The bank targets micro, small and medium enterprises and applies risk-based pricing depending on business financials, collateral and credit history. Equity Bank is regulated by the Central Bank of Kenya.

Pros

  • Loan amounts up to KES 50,000,000 for qualifying businesses
  • Range of products including working capital, asset finance and term loans
  • Dedicated relationship managers for SME clients
  • Equity Group has the largest SME lending portfolio in East Africa
  • Flexible collateral requirements for small businesses

Cons

  • Interest rates up to 24% for higher-risk or unsecured facilities
  • Detailed business documentation required
  • Approval can take up to 72 hours or longer for large facilities
  • Loan officer assessment is required for larger amounts
  • Collateral shortfall can result in rejection

Requirements

  • Registered business (sole proprietorship, partnership or limited company)
  • Business operating for at least 12 months
  • Business bank statements for 6 months
  • KRA PIN and business registration certificate
  • Financial statements or management accounts

Company information

Name
Equity Bank (Kenya) Limited
Address
Equity Centre, Upper Hill, P.O. Box 75104-00200, Nairobi, Kenya
Web

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.