Bank SME loans (Equity / KCB / Co-op) — review & details
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.
Largest facilities
Bank SME loans (Equity / KCB / Co-op)
★★★★☆
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
How Bank SME loans (Equity / KCB / Co-op) compares in business loans
| Bank SME loans (Equity / KCB / Co-op) | Hustler Fund (group / biashara) | Pezesha | |
|---|---|---|---|
| Providers | Equity, KCB, Co-operative Bank (and other CBK-licensed banks) | — | — |
| Products | Term loans, asset finance, working capital, invoice finance | — | — |
| Cost | Bank rates — cheaper than app credit; quoted per business | Government-set, far below app credit | Quoted per facility — confirm the total repayable |
| Needs | Registered business, records, often security | — | — |
| Compare bank accounts → | Read our Hustler Fund guide → | Visit Pezesha → |
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