Compare business loans in Kenya

By the Rateweb editorial team · How we rate · Product details checked 26 Jul 2026

Business funding in Kenya splits into fast, small, expensive digital credit for cash-flow bridges and cheaper, slower, larger bank facilities. Register your business properly (BRS + KRA PIN) to unlock the formal end. Only borrow from CBK-licensed institutions, and compare on the total cost and the tenor that matches what the money is for. Fees and terms are quoted per business — confirm directly.

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3 results
Largest facilities

Bank SME loans (Equity / KCB / Co-op)

The big banks run dedicated SME/biashara desks offering term loans, asset finance and working capital at bank rates — the cheaper, larger, slower end, best when you can plan ahead and have records.
★★★★☆
4.2/5 · How we rate
Equity, KCB, Co-operative Bank (and other CBK-licensed banks)
Providers
Term loans, asset finance, working capital, invoice finance
Products
Bank rates — cheaper than app credit; quoted per business
Cost
Registered business, records, often security
Needs
large
Amount Tier
Pros
  • Largest amounts and longest tenors
  • Bank rates, not app-loan rates
  • Full product range incl. asset finance
Cons
  • Slower — paperwork and appraisal
  • Usually needs security and records
  • Compare two or more banks
Compare bank accounts Full details & review →
SME fintech

Pezesha

A fintech SME-lending platform connecting small businesses to working-capital finance, often embedded in supply chains. Confirm the current licence class and the all-in cost before borrowing.
★★★★☆
3.8/5 · How we rate
Working capital for SMEs and micro-businesses
Focus
Embedded / marketplace SME lending
Model
Quoted per facility — confirm the total repayable
Cost
Confirm current licensing (CBK/relevant regulator)
Verify
small
Amount Tier
Pros
  • Built for SMEs banks find hard to serve
  • Often faster than a bank
  • Supply-chain/embedded options
Cons
  • Verify licence class before borrowing
  • Compare the all-in cost vs a bank
  • Smaller tickets than bank term loans
Visit Pezesha Full details & review →
State-backed

Hustler Fund (group / biashara)

The government scheme's business/group tier — cheaper than commercial credit for small enterprises and groups, though limits are modest. Frame it as a state product, not a commercial offer.
★★★★☆
4.0/5 · How we rate
Government of Kenya (Financial Inclusion Fund)
Provider
Government-set, far below app credit
Cost
Via the Hustler Fund channels (*254#) — verify current group-loan terms
Access
Small enterprises and groups building a record
Best For
small
Amount Tier
Pros
  • Cheapest small business credit
  • Builds a formal repayment record
  • Group lending supported
Cons
  • Modest limits
  • Government product — terms change by notice
  • Not a substitute for a bank facility at scale
Read our Hustler Fund guide Full details & review →

Ratings are Rateweb's editorial opinion. Product details can change — always confirm with the provider before applying. Rateweb may earn a commission on some applications. This is general information, not financial advice.