Invoice Discounting

This is a flexible financing up to 80% of approved invoice amount for negotiated period.


  • Application form completed                                            
  • Board of Directors resolution to open accounts                                     
  • Certificate of incorporation/Registration       
  • Company PIN & VAT                     
  • ID & PIN copies of all directors
  • Copy of Annual Returns/CR 12  
  • Utility Bill                                       
  • Proposal for borrowing indicating : amount being borrowed, Purpose, type of facility required, proposed repayment period and any other relevant information   
  • Audited accounts for the last three years
  • Current management accounts
  • Debtors and Creditors ageing


Fees & Rates

  • Interest Rate: Central Bank Reference Rate (Currently 10.0%) plus a margin of 4% i.e. 14.0% p.a. or 10% p.a. for USD overdraft                  
  • 2% commitment fee



  • Available in Kshs and USD                                        
  • It helps you access funds for services already rendered or products supplied as you wait for payment                                                           
  • Your expected payments are paid directly to the bank to offset the loan                                     
  • Simple and convenient to administer and monitor through account statements



Allows you to access cash as you await payment from your employers


A Business Tip Every SME Owner Should Know

The biggest problem founders and owners of small businesses have is that they are experts in

Always Budget When You Borrow Money

Before you borrow money, ensure you can make the monthly payments.

Failure to do so

Asset Finance TIPS

Starting a business is a tricky affair. Maintaining the business momentum and a competitive edge