The DTB Mortgage facility can be used for:

• Purchase of new / existing residential houses.
• Renovations, repairs or extensions of existing unencumbered property.
• The takeover of existing housing loans from other financial institutions.

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• Bank statements for the last twelve months.
• Must open / maintain account(s) with DTB.

• Copy of KRA PIN certificate

• Copy of duty executed sale agreement duly signed dated and stamped.
• Valuation report from an authorized valuer.
• Letter of the offer between seller & buyer.
• Certified copy of title deed

• A duly filled loan application form.
• Feasibility study/ business plan
• Memorandum and Articles of association.
• Project cost estimates
• Financing plan
• Audited accounts for 3 years for the existing business or related business.
• Bank statements for 3- 6months
• Collateral

• Contract/LPO/LSO Financing
• Invoice discounting  

• Applicant must have operated account satisfactorily with CBL for a minimum period of 6 months channelling their cash flow through the account 
• Applicant must have operated account with CBL satisfactorily for at least 2 months and have a record of satisfactory account record with another bank over a minimum period of 6 months.
• Applicant must have no existing non-performing account as demonstrated in their credit bureau report, accounts statements and records with CBL.

• Completed loan application form with required documents attached.
• Copies of last 12 months bank statements from banks other than CBL.
• Must have an account with CBL for at least 2 months.
• KYC Documents : National ID, KRA Pin, Certificates of Business Registration etc.

Financing for commercial and residential properties

GAB Account for servicing mortgage

Duly registered company

> 6 months in operations

Business people - Sale agreement or offer letter,  Board resolution authorizing transaction, Certified copy of Memorandum & Articles of Association 

Self Employed - Business registration certificate, Certified/original bank statements for the last 1 year, Copy of title of the property

Facility to facilitate construction of residential or commercial properties

Duly registered business

+ 6 months in operations

Hold an active account with GAB

Business registration certificate

Certified/original bank statements for the last 2 years

Copy of ID/Passport

Certificate of the official title search

Copy of title of the property

Our financing product helps you as a Safaricom dealer to buy assets needed for business like motor vehicles, motorcycles, shops and mortgages

Duly registered business

Mantaining active account at Gulf African Bank

+ 6 months in operations

Letter of undertaking from Safaricom to channel residual income to GAB

Letter indicating the segment the client has been placed by Safaricom

Six months bank statement where the residual income is channeled 

Purchase of vehicle and machinery

Finance for working capital against logbook

Release of funds used in purchase of vehicles in the last 12 months

Business operation for 2 years

• Relevés bancaires pour une période de 6 mois

Business KYC

To finance the purchase of a movable asset for the business

Showcase ability to service loan

• Copy of KRA PIN certificate

• Copies of identification documents, that is, Memorandum & Articles of Association as well as Certificate of Incorporation (for registered companies)

• Business Registration Certificate

• Identity cards for borrowers who do not have registered businesses 

• Identity cards for directors of registered companies and registered businesses

• Bank statements for 6 months

• Audited accounts for loans above Ksh 10 million

• Resolution to borrow (for registered companies) and details of business location

• Invoices and/or importation documents

Whether the opportunities be in construction, transport, manufacturing, quarrying, printing, processing or material handling; we have you covered.

Must be an account holder having operated an account for more than 6 months.

• Copy of KRA PIN certificate

• Certificate of incorporation
• Memorandum & Article of Association
• Resolution from the Board of Directors to open an account and identification of those who have authority to operate the account
• Copy of the KRA pin certificate of the company
• Business permit
• Certificate of trading for public ltd companies/where applicable
• ID or passport for directors & signatories
• Introduction from existing customer /RM/BM /certification by the marketing staff
• Download Non-Individual Account Opening form

Capital Expenditure/ Operating Expense

1. Customer needs to be in profitability
2. Security acceptable by the Bank
3. Customer need not to be listed on CRB list

1. 3 Yrs Audited Financials
2. Management Account for the Current Year
3. 6 Months Bank Statement
4. Business Registration Certificate, Certificate of Incorporation
5. Company & Directors' KRA PIN
6. Directors' ID Copies
7. CR12