The loan is tailor made for MSME customer who are in trade business and in need of working capital cashflow.

Client must have operated a business account with UBA Bank for at least one month

• Copy of KRA PIN certificate

Copies of ID and kra pin of the directors, company KYC, Bank statements for the last 12 months(certified), copies of contracts or LPOs and if client does not have prior banking experience, they will have to bank with us for at least 3 months in order for us to review their application.

Invoices are to be discounted up to 80% of the invoice value.

Be ready to undergo pre- and post-lending business capacity

Been operational for a minimum period of 12 months.

Be ready to undergo credit reference checks.

Provide 12 months’ latest management accounts with current aged debtors and creditors list.

Cash flow projections for the next 12 months.

• Sales records for the past 12 months

Certificate of incorporation

12 months bank(s) statements

12 months transactional statements from Telco’s 

For facilitation of Local/ International trade of crop produce and services, and financing against trade documents.

Businesses in Coffee looking to facilitate Local/ International trade of crop produce and services and financing against trade documents.

• Sales records for the past 12 months

KRA Certificate

Business registration certificate

Bank statements for the past 12 months

A loan product designed for contractors and vendors of reputable organizations
to enable them to execute work and local purchase orders from their respective employers

• Qualified and more than one year experience
•  Has capacity to deliver the contract
• Past track record of the supplier or vendor.
• The LPO should not be more than 30 days from the date of issue.

• Copy of KRA PIN certificate

KYC DOCUMENTS

To provides immediate funding to businesses needing capital to fulfil purchase or service orders from reputable organizations, enabling them to meet large orders or contracts without straining cash flow.

• Customer/Business must demonstrate technical capacity to perform the order or contract
• Must have banked with the Bank for a period of 6 months 

• Copy of KRA PIN certificate

A security should be provided and all facilities must be adequately secured.

Enables suppliers to fulfill their orders without provision of security

Must be in the same line of business as that contracted to supply​

The supplier must have been in business for a period not less than a year​

Must have an identifiable place of business

Letter from the supplier requesting for a facility to perform a specified contract​

Copy of contract or local purchase order from the buyer​

Assignment of payments to the Bank by the buyer

post-harvest loans will help farmers cover the costs of storing, processing, and transporting their produced crops, allowing them to avoid selling their produce at a low price right after harvesting due to a lack of storage or processing capacity.

• The product will be offered to farmers who have supplied/delivered produce to Off-takers/SACCOs/Umbrella bodies/Processors with whom the bank has an MoU/Agreement and assignment of proceeds to DTB.
• The farmer should provide us with a valid delivery notes and invoice showing the quantity supplied, the expected date of payment and amount to be paid to the farmer.
• Both Off-taker and farmer to be DTB customers

• Copy of KRA PIN certificate

Bank Statements

KYC

This facility provides quick access to cash by discounting invoices, helping businesses maintain steady cash flow without waiting for clients to pay, making it ideal for managing short-term liquidity needs.

The customer/business must have banked with the Bank for a period of 6 months

• Copy of National Identity card

• One recent Passport photograph of the Customer/ Company Directors
• Business Registration Certificate/Certificate of Incorporation/ Partnership Deed
• Memorandum & Articles of Association
• For limited companies, board resolution to borrow
• Copy of KRA PIN certificate

Financing your insurance premiums, giving you the convenience to pay in installments. Tailor-made flexible repayment plans are available.

• Clearance from the Credit Department
• Must be an account holder for more than 6 months

• Copy of KRA PIN certificate

• KRA Certificate
• Copy of Insurance Cover/Policy
• ID/Passport Copy
• Filled Copy of the Insurance Premium Financing Form

• An active Equity Bank account holder or willing to open and operate an account with Equity Bank (K) Ltd.
• Demonstrate ability to repay.
• At least one-year experience in commercial seed growing, or one successful production cycle (this need to be evidenced by proof of the past sales records & receipts, previous banking history, or recommendation from Kenya Seeds Company, or any other seed multiplication contracting company.).
• At least 2 acres of seed production land.
• Ability to contribute 30% of the total production cost (either cash or in kind).
• Documentary evidence of farm ownership or a valid lease agreement covering at least one future production cycle.
• Provide signed seed production contract with the contracting company.

• Equity Bank statement
• Past sales records & receipts, previous banking history, or recommendation from Kenya Seeds Company, or any other seed multiplication contracting company.
• Commitment to contribute 30% of the total production cost (either cash or in kind).
• Title deed or a valid lease agreement covering at least one future production cycle (at least 2 acres)
• Signed seed production contract with the contracting company.