KCB Business Loan – review 2026

4,2 / 5

KCB Bank Kenya provides business loans and SME financing solutions including revolving credit, term loans and trade finance facilities. Loan amounts reach KES 30,000,000 for qualifying businesses. KCB has an extensive SME support ecosystem that includes business advisory services alongside credit products.

Pros

Loans up to KES 30,000,000 for established businesses
Includes revolving credit facilities for working capital
KCB has the widest branch and agent network in Kenya
Business advisory support available for SME clients
Regulated by the Central Bank of Kenya

Cons

Extensive documentation requirements
Collateral typically required for amounts above KES 500,000
Processing can take more than 72 hours for complex applications
Self-employed sole traders face higher scrutiny
Interest rates are risk-based and can reach 24%

Requirements

Valid business registration certificate
Business bank statements for 6 months
KRA compliance certificate
Audited accounts for the past 2 years (for larger facilities)
Collateral documentation where applicable

Company information

Name: KCB Bank Kenya Limited
Address: Kencom House, Moi Avenue, P.O. Box 48400-00100, Nairobi, Kenya
Web: https://kcbgroup.com

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.