Business financing

This is a flexible, short term working capital financing facility on your business current account. Funds are available immediately and repayable on demand, giving you extra funds to manage your day to day cash flow and working capital needs.

Features

• Maximum repayment period of 12 months.
• Flexible loan amount determined by business need and cycle.
• Tenor period is renewable after 1 year.
• Repayment is done through credits to your business current account.
• Interest is only charged on the used amount of your overdraft.

I am interested

Get financing with a number of convenient payment options to spread out the cost. Your loan will be approved within 12 hours if you qualify, with no hidden costs and additional premium financing should you need it. We offer loans for the below products amongst others:

• Saloon cars
• Commercial vehicles
• PSV Vehicles
• Buses
• Trucks and pick-ups
• Tractors & related implements
• Construction equipment
• Specialized equipment
• Office equipment
• Industrial equipment
• Refinancing of existing equipment/motor vehicles.

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Revolving and non-revolving stock loans are essential for when your business needs financing to purchase or buffer stock for normal business operations. This loan is available with revolving limits.

Features

• Minimum loan amount of KES 300,000.
• The unsecured business stock loan is being offered as an unsecured loan. (Loan amounts of up to Kes 6,000,000/- tailored to meet your business needs with no security required.)
• Maximum repayment period of up to 36 months, subject to the nature of the stock and business net cash cycle.
• For revolving limits, the maximum tenor period is 12 months, with a maximum of 180 days for each drawdown, subject to the business cash conversion cycle.
• Repayment is in equal monthly instalments of principal and interest.
• Repayment for revolving limits with an option to service the interest on a monthly basis and principal repaid in bullet.
• Hassle-free insurance cover for the stock and the business through NCBA Bancassurance.

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Tap into the value of your business vehicles when you need quick financing for business expansion or working capital within the main line of business.

Features

• Loan amount to be determined by serviceability and car value.
• Repayment capacity is assessed on existing businesses revenue streams.
• Tenor period of up to 36 months depending on the purpose of funds and the age of the vehicle.
• Vehicle valuation must be carried out by a valuer in NCBA Bank’s panel.
• Vehicle must be fitted with a tracking device fitted by a company listed in NCBA Bank’s panel.
• Vehicles must have up-to-date and comprehensive insurance.

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NCBA Bank property loans covers purchase of single residential or commercial units, purchase of multiple residential or commercial units , purchase of office blocks, Go Downs or light industrial property.

Features

• Flexible tenor periods of up to 180 months depending on the type and purpose of the property.
• Loan amount is determined by your need as well as serviceability of the loan.
• Repayments can be tailored to suit your business cash flow.
• Security is as per collaterals defined in the Group Credit Risk Policy

I am interested

Develop real assets i.e. property through the bank’s construction loans. Our construction finance facilities are available for the development of all typed of real estate be it residential, commercial or retail property whether for sale or rental income.

Features

• Moratorium on principal during construction of up to 24 months.
• The construction loan can be converted to a mortgage after the construction period, with a maximum door to door tenor of 120 months.
• The customer is to contribute a minimum of 30% of the gross construction cost.

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We’re here to help you purchase land for investment or construction, allowing you to grow your business’ assets without drawing from working capital. Our plot purchase loans come with a repayment period of up to 60 months.

Features

• Flexible repayment periods projected from existing and projected income streams.
• Flexible security requirements.

I am interested

Get financing for residential and commercial properties to sell, rent or buy-and build with flexible security requirements. Our financing facilities allow you to acquire fixed assets without drawing working capital from your business.

Features

• Loan amount is according to the serviceability of your business, demonstrated from existing and projected income streams.
• Customer to contribute a minimum of 30% of gross construction costs.
• For Buy-and-Build, the customer must contribute a minimum of 30% of the total costs of land plus construction.
• Loan has a maximum repayment payment period of up to 36 months with a maximum grace period of up to 24 months.
• Customer to contribute a minimum of 30% of gross construction costs.
• Can be converted to a mortgage after the construction period, with a door to door tenor of uo tp 120 months.

I am interested

Unlock the value of your property with loans of up to 70% against an existing mortgage or property as collateral.

Features

• KES 100,000 - KES 2M, maximum tenor of up to 5 years
• Above KES 2M loan tenor of up to 25 years

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Draw value from your business’ investments in shares to finance working capital. This loan facility allows you to borrow up to 50% of the value of your shares.

Features

• Loan amount to be determined by business serviceability.
• Repayment capacity is assessed on existing businesses revenue streams.
• Repayment period of up to 36 months depending on the purpose of the loan.
• Shares taken as security to be held at NCBA Securities Ltd.

I am interested

Take advantage of investment opportunities as they arise with NCBA Bank’s Investment Club Loan. We provide loans to chamas and other investment clubs and self-help groups to grow your assets as you build your contributions. Access to loans ranging from KES 1 million up to 50 million with flexible repayment terms.

Features

• Maximum repayment period of up to 60 months.
• Scope of loans to be limited to wealth-creation activities.
• Monthly repayment should not exceed 50% of monthly contributions, exclusive of any income-generating activity.
• Group should be formally registered and have been in existence for atleast 5 years.

I am interested

NCBA Bank offers loans to finance the purchase of farm inputs by farmers who are engaged to produce crops or seeds for scheme companies such as seeds, chemicals, fertilisers and related farm operation activities. We offer flexible repayment periods depending on the crop cycles and contracts.

Features

• Loan amount of up to Kes 6,000,000.
• Available to farmers contracted by a scheme to produce crops or seeds for seed companies, cooperative societies and institutions with a buy back guarantee.
• Farmers must have at least 2 years of farming relationship with the scheme company.
• Flexible security requirements.

I am interested