I am interested in the

Get financing for your working capital and allow your business to run smoothly with steady cash flow. No collateral is required to sign up.

Why choose the Unsecured MSME Loan

No security is needed to facilitate the loan

Quick turn around time of between 24 to 72 hours after loan application

Flexible tenors of between 1 month to 1 year for comfortable repayment

Flexible loan amounts of up to Kes. 5Million per customer

Loan top up is allowed upon servicing 50% of the current loan

Eligibility / Documents Required

  • Applicant must have an active bank account with SBM for at least 1 year
  • Business needs to have been operational for the past 3 years at least
  • Business must demonstrate stable cash flows
  • Monthly turnover for the business should not have declined by more than 25% in the preceding 90 days
  • Businesses in trading sectors should not have NIL banking in any given month over the preceding 12months
  • Applicant should have credit life insurance



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Rates & Fees

  • Trade credit insurance to cover the portfolio and/or individual borrowers up to 50%
Unsecured MSME Loan