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Business Banking

Get a business loan structured to your business needs

Co-operative Bank is Regulated by the Central Bank of Kenya.

SME Loans

We believe that a business loan should create a positive impact and help solve your business needs.

We are a strong, reliable and committed partner providing finance that is structured according to the needs of your business. 

The following are the various SME Loan products available for you to choose from:

  1. SME Co-op Business Loan/Working Capital
    This loan product can be used to finance working capital and expenses of a capital nature, for example, premises, machinery, motor vehicles etc. In the case of smaller businesses or where there is risk of diversion of funds and monitoring of the overdraft would be too expensive, loans are the recommended method of lending as they are easier to monitor. These loans should be for a maximum period of 36 months for working capital and 60 months for capital expenditure.
  2. Hybrid/Partially Secured Loans
    This category of loans is granted to customers who have demonstrated a capacity to repay but lack adequate securities to fully cover the required amount. For hybrid security loans, the borrower pledges chattels to cover the portion not fully covered by tangible securities. For a partially secured loan, the borrower provides securities to cover up to a minimum of 50%.
  3. Unsecured SME Loan for Businesses
    The product targets SME customers with evidenced repayment and good cash flow but lack tangible securities. Borrowers must evidence repayment ability and must have satisfactory account conduct. 
    The primary target for the unsecured lending product is traders with regular cash flow.
  4. SME Loan (Chattel Secured)
    Our secured business loan is tailor-made to meet your business needs and suitable for SME customers cutting across all industries.


  1. Copies of identification documents, that is, Memorandum and Articles of Association as well as Certificate of Incorporation (for registered companies)
  2. Business Registration Certificate
  3. Identity cards for borrowers who do not have registered businesses 
  4. Identity cards for directors of registered companies and registered businesses
  5. Bank statements for 6 months
  6. Resolution to borrow (for registered companies) 
  7. Details of business location

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