INTERNET BANKING

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Trade Finance

NCBA trade financing creates opportunities for you and your business. Ideal for exporters and importers, suppliers and other business enterprises. Our solutions are available to help you strengthen your competitive power, improve liquidity and cash flow with reduced risk.

Invoice and Certificate Discounting

This discounted finance solution is ideal for suppliers to businesses and other reputable institutions. Our invoice discounting terms are negotiable and offers payment periods of up to 180 Days.

Features

  • Minimum loan amount of KES 300,000.
  • Maximum of up to KES 200 million.
  • Repayment capacity determined by existing businesses and cash flow projections only.
  • Interest to be paid upfront at the time of disbursement, with bullet repayment of principal at maturity.

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LPO Financing 

This is a product tailored to provide the financing required that will allow you to adequately service contracts. NCBA’s LPO Financing is specially designed for contractors and vendors to reputable organisations with undoubted payment records and for those contractors and vendors with a proven track record of delivering on their contracts. The bank provides the capital required to execute work orders and local purchase orders. It ensures continuity of operations as immediate working capital needs are met.

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Distributor Financing

This solution is suited for companies who distribute fast-moving consumer goods or traded items. The financing allows you to purchase stock from your supplier and bridges the liquidity gap until you receive funds from the sale of the goods. NCBA’s distributor finance solutions offer you access to funds with flexible repayment structures. You are assured a steady source of finance with credit limits tailored to your business needs.

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Reverse Factoring

Fulfill payments to your suppliers with our reverse factoring solutions. The Bank will interpose itself between your company and your suppliers and commit to pay your company's invoices to your suppliers at an accelerated rate in exchange for a discount. We will purchase receivables due to both your domestic and foreign suppliers at 100% of the outstanding Invoice amount less the finance cost on the strength of your future payment obligations which would be assigned to the bank.

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Value Chain Finance Loans

Obtain funding structured to suit your company’s trading cycle that improves your working capital and cashflow. We help you fund trade transactions with loans covering, but not limited to, Invoice Discounting, Distributor Finance, Reverse Factoring and LPO financing.

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Contract Financing

Get flexible, short term trade loans to fund your trade transactions at necessary points of your business journey between concept to delivery. For customers with needs around LPO Financing, Invoice Discounting, Distributor Financing, Reverse Factoring, among others. Enjoy exclusive individual credit limits and flexibility based on existing and projected income streams.

Features

  • Enhanced cash flows with funding for working capital provided to you.
  • NCBA can negotiate a discount with your suppliers and reduce trading costs with upfront payments facilitated by the loan.
  • Earn an improved credit standing and reputation due to timely payments.
  • Flexibly structured to suit your firm’s trading cycle.
  • Available in all major currencies.

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Bank Guarantees, Bonds and Indemnities

Tender for business which you might have previously considered out of reach, improve the terms of your tenders and negotiate better terms on contracts. We offer the following types of bonds and guarantees:

  • Bid bonds
  • Performance bonds
  • Customs bonds
  • Advance payment guarantees
  • Retention bonds
  • Immigration bonds
  • Shipping guarantees

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Letters of Credit

Let us back you up by making your local and international transactions easier by issuing letters of credit to your suppliers guaranteeing that payment for goods and services will be honoured fully and on time by the bank upon presentation by the beneficiary of stated documents that gives you comfort with respect to your suppliers’ fulfilment of their obligations in the underlying contracts. This product is specially tailored for those in export and import trade but can also be utilised for domestic trade transactions. Not only does a letter of credit enhance your creditworthiness from the supplier’s perspective but it helps build confidence for more flexible and extended payment terms between the buyer and the seller.

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Sounds like a deal?