Business Loan

A business loan is a working capital loan designed to facilitate business growth, expansion and the upgrade of ones business depending on needs arising in the business.

A business loan can be obtained from different banks and other micro- finance institutions and it also has payment rates and grace periods as any other loans.

Apply for a Business Loan

Examples of Business loans in Kenya

Faulu Kenya Business loans

a. Mkopo Biashara
This is a business working capital loan designed to facilitate your growth, expansion and the upgrade of your business.


  1. Grace period
  2. Interest reduction for customers with good repayment history
  3. Top-up facility available
  4. Convenient repayment plan
  5. Loan amounts from as little as KS 1,000

Daraja 1 KS 20,000 Up to 12 Months
Daraja 2 KS 200, 000 Up to 24 Months
Daraja 3 KS 5,000,000 Up to 60 Months

b. SME Loan

Business Loans of up to Ks 50M for individuals and businesses that can be used for

  1. Working Capital: To expand your business and provide capital for your operations.
  2. LPO financing: To provide your business with short term financing to undertake tender awarded projects or supply goods and services.
  3. Asset Financing: To help you or your business to acquire assets such as a personal car or light duty commercial vehicles, tractors, plant and machinery for light industries.
  4. Import and export financing: To facilitate your export and import business by accommodating any funding gaps in your trade cycle.
  5. Insurance Premium Financing: To allow you to pay insurance premiums.

c. Soko Cash
A quick source of working capital for market traders to take advantage of opportunities that arise in their operation.


  • Easy application process
  • Quick working capital boost
  • Convenient repayment terms
  • Affordable interest rate
  • Quick loan processing

d. Milango Biashara Kem-Kem loan
This product will take care of all business related financial need of their clients.

Loan Limits: 3,000- 300,000
Loan Term: 1 Year
Interest: 2% per month
Fees: 2% set up, 2% insurance, Ks 150 per loan for lawyer fees, 500 Chattel Fee for Loans above 100,000, and Ks 100 for Post Election Violence (PEV)

Note: all first loans are payable in 6 months

Product Benefits

  • Quick and Reliable Service
  • Grace Period
  • Secure Savings
  • Competitive Interest Rates: the client can register his/her loan for at least six (6) months and so interest is charged on the registered loan period only
  • Loan Flexibility: the client can choose to pay his/her loan weekly or monthly (upfront/prepayments) depending on the nature of the business and the business season
  • Additional Loan: a client can access an additional loan (other than business loan) upon 50% payment of the loan

Barclays Bank business loans

Barclays bank offers the following business loans:

a. Unsecured loan

  • You can borrow up to Ks 2,000,000 unsecured.
  • Simplified application process.
  • Dedicated team to process your application quickly.
  • One-off arrangement fee.
  • Monthly repayments can be made over a 1 to 3 year period.

b. Secured Loan

  • The loan amount is based on the serviceability of the loan or the ability to repay.
  • Simplified application process.
  • Dedicated team to process your application quickly.
  • One-off arrangement fee.
  • Monthly repayments can be made over a 1 to 5 year period


  1. Victor Osano says:

    Hallo sir/Madam,
    I have abusiness rinning for amotobike and i want to find if will be depositing money my biashara account at what period will you give me aloan?

  2. stellamaris kaweu says:

    Hi,I have a transport contract from a reputable company.I need a to buy a truck(trailer). How can the women development fund assist,and their conditions to advance loans.

  3. Tobias Dede says:

    Hi, am Tobias and am in Kisumu,I have a Tuk Tuk business and its doing very well since I started.I really want to expand the business but am lucking funds. I bank with Equity bank and Co-operative bank.Atleast I need to add another Tuk Tuk. How can you help me.

  4. thefinacier says:

    I think the biggest problem with Kenyan banks are the Interest rates they charge people. Too punitive. Then if you miss some payments….

    • I am running a graphics design business and need finances to buy large format printers and other specialized equipment to expand my business and make it more productive. Can I get a loan with you for this purpose?

  5. i need a loan of 1m for property purchase and development,advice the way forward.

  6. Hey faulu. I’m chege Gichuhi operating an mpesa and kiosk at eastleigh. I seriously need a loan to add more stock and increasing my mpesa float. Kindy please advise me .

  7. CYRUS MUNENE says:


  8. eliud allan ondialo says:

    I have applied for a loan when will i get my money

  9. Hi…Want to venture into farming where I have analysed everything and realised my business plan needs a starting capital of 100,000.
    Got access to land but acquiring the inputs,labour and management is what hinders me.

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