A short to medium term credit facility aimed at financing business growth in the Small and Medium business segments.

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Features & Eligibility

  • Minimum loan amount requirement: 1 million
  • Maximum loan amount requirement is below 100 million
  • Repayment period maximum is 2 years depending on collateral offered
  • Repayment mode is bi-monthly and quarterly depending on a client’s business cash flow cycle

Acceptable Securities

  • Title deeds
  • Equitable mortgage
  • Discounted FDs/TBs
  • Motor Vehicles
  • Plant and Machinery
  • Kibanja agreements
  • Movable Chattels
  • Lockup titles (sub-leases and certificates issued by the municipal)
  • Stock of goods where applicable
  • Guarantors will be required where necessary
  • Credit life insurance for customers with movable collateral(where applicable)


  • Application Form
  • Business Trading license.
  • Bank Statement for at least 6 months.
  • Cash flow projections for at least 12 months – to be prepared by the Bank’s Relationship Managers after looking at basic source documents, interviewing the customer and visiting the client’s business premises.
  • Copy of Valuation report prepared by a bank-approved valuer(s) where applicable.
  • Client to sign affidavit in addition to land sales agreement
  • Spousal consent for all security where applicable

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    Calculator and Details

    Loan Calculator

    Please fill in the following information for an estimation of your repayment amount. Housing Finance Bank reserves the right to determine the final interest rate.

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    Key Features and Charges

    A Mortgage in legal terms refers to ‘the conveyance of title (legal or equitable interest) in real property by borrower to lender for repayment of money or loan. Which simply means that; A Housing Finance Bank Ltd. mortgage is an agreement in which money is lent to a borrower, for home construction, or purchase, buying urban plots or commercial property, using that very property as security.

    Required Documents

    It is easy all you need is:

    • Have an account with us
    • Ascertainable monthly income
    • Have copy of the land title
    • Copy of approved building plans
    • Bills of quantities of outstanding work
    • Photographs of four elevations of the building

    For more information on the various types of loans click here.

    Terms and Conditions

    Loan Terms and Conditions

    Fees and Charges

    Get In Touch

    The property must have a valid land title and building plans with local authority approval Construction must be in permanent materials and the buildings serviced /to be serviced with water and electricity.

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