For many Kenyan entrepreneurs, access to capital often defines the difference between business growth and stagnation. Small and medium-sized enterprises (SMEs) across the country continue to face significant challenges in securing affordable, unsecured financing — a gap that has long limited their potential.
To bridge this divide, NCBA has introduced a transformative solution under its Lending for All initiative — the NCBA Digital Personal Loan, available through the NCBA NOW App. This innovative facility offers entrepreneurs unsecured loans of up to KSh 1,000,000, accessible entirely through digital channels, without the usual hurdles of paperwork or in-person branch visits.
For busy business owners juggling daily operations, time-sensitive decisions, and cash flow management, this offering arrives at a crucial moment.
Breaking Barriers to SME Financing
Traditionally, obtaining a business loan required lengthy branch visits, extensive documentation, and prolonged waiting times — often causing entrepreneurs to miss critical opportunities. NCBA has tackled these long-standing challenges by making financing truly accessible.
Through the NCBA NOW App or by dialing USSD *488#, entrepreneurs can now apply for and access funds instantly. This speed and convenience ensure that business owners can seize opportunities as they arise — whether it’s restocking during peak demand, taking advantage of supplier discounts, or bridging short-term cash flow gaps.
Flexible Repayments for Dynamic Businesses
Every entrepreneur understands that cash flow can fluctuate. The NCBA Digital Personal Loan caters to this reality with flexible repayment terms ranging from 3 to 12 months. Whether one needs a short-term boost to cover a temporary shortfall or a longer-term facility to support business expansion, the repayment schedule can be aligned with the company’s revenue cycle.
Crucially, this facility is completely unsecured, eliminating the need for collateral — a significant advantage for SMEs that may lack substantial assets but possess strong business potential.
Fueling Growth and Opportunity
Consider a small retailer who receives a large supply order but lacks sufficient working capital, or a digital entrepreneur seeking to invest in marketing to scale their brand. Access to up to KSh 1,000,000 in unsecured credit can make the difference between missed potential and business growth.
For Kenya’s enterprising SMEs, the NCBA Digital Personal Loan is more than just financing — it is the fuel that powers scalability, competitiveness, and resilience in an increasingly dynamic market.