Get the full backing of our Asset financing expertise to grow your business as far as your imagination can go. Whether you are setting up a new plant, expanding your distribution and logistics capacity, our asset financing facilities are designed to ensure that your business gets the right tools for the job.

  • The minimum facility is Kshs. 100,000
  • Insurance Premium Financing available
  • Age of vehicles: 7 years and below
  • Used vehicles: Up to 80 % financing for 48months
  • New vehicles: Up to 80% financing for 60months
  • Machinery – 50% (new)
  • New trucks/trailers – 80% max
  • Pick-ups and personal vehicles – 80% max
  • Used trucks/trailers – 70% (up to age: 7 years and below)
  • Machinery – 50% (new)
  • Certified bank statements for 12 months
  • ID & PIN of owners
  • Certified copies of the PIN for the business
  • Copy of Lease/Proof of location of the business
  • VAT certificates where applicable
  • Current business licenses
  • Pro-Forma invoices
  • Audited financial statements for facilities above Kshs. 20,000,000.

Additional Requirements:

Limited Companies

  • Memorandum & Articles of Association
  • Certificate of Incorporation
  • Latest annual returns and filing receipts.

Sole Proprietorship

  • Certificate of registration

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This is our solution for agents like you as to top up your float for customers.

  • Maximum tenure of 12 months
  • Tangible security i.e. motor vehicle/property
  • Maximum amount Kshs. 5M pegged on 70% of residual income
  • Analysis based on monthly income commissions
  • Repayment on monthly basis profit and principal
  • 6 months Safaricom statements indicating monthly residual commissions
  • Copy of proposed collateral and estimated value/valuation if available

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Do you need to buy and maintain stock including airtime scratch cards, mobile phones, sim cards and other accessories? Our GABCOM stock financing is perfect for your business.

  • To finance Safaricom dealers to buy stock
  • Unsecured limit of Kshs. 30M
  • Minimum facility of Kshs. 100,000
  • Maximum instalment fixed at 70% of residual income
  • Monthly repayment of both principle and profit
  • Maximum period is 36 months
  • Upto 36 Months
  • Limit of up to 30M
  • Letter of undertaking from Safaricom to channel residual income to GAB
  • Letter indicating the segment you are place by Safaricom
  • 6 months bank statements where the residual income is channelled

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

  • Plot or motor vehicle financing
  • LTV at 80:20 for the bank and client respectively
  • Minimum amount Kshs. 1,000,000 but pegged on 70% residual income
  • Security to be letter of assignment from Safaricom
  • Maximum tenor of 60 months for new motor vehicles and 36 months for used motor vehicles
  • Processing fee to be advised.
  • LTV at 90:10 for new motor vehicles and 70:30 for old motor vehicles not exceeding 7 years
  • Instalment amount capped at 70% of the total commission.
  • Security to be joint registration of the motor vehicle and letter of assignment from Safaricom.
  • Maximum tenor of 36 months
  • Processing fee to be advised
  • Maximum amount Kshs 25m but pegged on 70% of their income
  • Security to be a letter of assignment from Safaricom
  • Maximum tenor of 84 months
  • Processing fee to be advised
  • LTV at 70:30
  • Instalment amount capped at 70% of the total commission.
  • Security to be the first legal charge over the property plus a letter of undertaking from Safaricom.

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  • Minimum of Kshs. 500,000
  • Audited financial statements for facilities above Kshs.20,000,000
  • 12 months for stock Murahaba working capital financing
  • Bank statement for the last 6 months
  • Copy of ID/Passport
  • Copy of personal PIN certificate
  • Copy of certified PIN certificate for the business
  • Current business licenses
  • Proforma invoices
  • Memorandum and Articles of Association
  • Certificate of Incorporation
  • Latest tax returns and filing receipts
  • Audited financial statements

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  • Available to commodity traders in formal operation for at least two years
  • Up to 24months
  • Minimum of Kshs. 500,000
  • Maximum of Kshs.5,000,000
  • 12 months certified bank statements
  • Business license/permits for two years
  • Premises with lease running for the tenure of the facility
  • Copy of ID/Passport
  • Copy of personal PIN certificate
  • Copy of company PIN certificate
  • Memorandum and Articles of Association/Partnership Deed
  • Certificate of Incorporation/Registration
  • Proforma invoice

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When your business has purchase orders and award letters from reliable and established customers to deliver goods, services or contractual works, we give you all the help you need through our financing offerings.

  • Dedicated relationship manager
  • The bank shall discount LPO up to 80% of the amount less VAT
  • Flexible repayment terms tailored to contract cycle
  • Bank statements for 6 months
  • Certificate of registration
  • Copy of KRA PIN certificate
  • Copy of National ID/Passport
  • LPO contract/tender document
  • Evidence of orders, LPO’s, work contracts where applicable
  • Provision of tangible security

Additional Requirements

Limited Companies

  • Memorandum & Articles of Association
  • Certificate of Incorporation
  • Latest annual returns and filing receipts.

Sole Proprietorship

  • Certificate of registration

Apply For Financing Here

Thinking of developing your urban land to rent or sale? Let us actualize your plans talk to us for a facility!

    • Up to 10 years for commercial & residential properties
    • GAB financing for urban property:

Residential 80%
Commercial 75%
Period upto 10 years

  • Completed Credit SME Application Form
  • 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
  • Confirmation that ground and land rates are fully paid to the City
  • Council, with attached receipts
  • Approved building plans
  • NEMA certification
  • Notification for approval of local authority with minute number
  • Profile of the contractor, architect and other professionals
  • Project schedule
  • Compliance certificate from NCA
  • Certificate of incorporation
  • Memorandum and articles of association
  • Pin certificate of the company
  • Copies of directors ID/PP and PIN
  • Board Resolution for the request
  • Duly filled bank guarantee application form
  • Directors joint and several guarantees
  • 3 years audited accounts & current management accounts
  • 12 months certified bank statements

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Get the full backing of our SME Mortgage solution to grow your business into the vision that you have and enjoy repayment periods of up to 10 years! Talk to us today!

  • Up to 10 years for commercial & residential properties
  • GAB financing for urban property: Residential 80% , Commercial 75%

Repayment Period:

  • Limited companies: Maximum 10 years
  • Commercial properties: Maximum 10 years.
  • Complete SME credit application
  • Active GAB account
  • Sale agreement or offer to sale letter
  • Business registration certificate / Certificate of incorporation – if the business is registered
  • Certified/original bank statements for the last 1 year
  • Copy of ID/Passport
  • Copy of title of the property
  • Confirmation that ground and land rates are fully paid to the City
  • GAB Account for servicing mortgage
  • Sale agreement or offer letter
  • Certified copy of Memorandum & Articles of Association
  • Certified annual returns
  • Audited accounts for the last 2 years
  • 12 months certified bank statements
  • Board resolution authorizing the transaction
  • Copies of IDs, PINs for all directors
  • PIN certificate for the company
  • Management accounts

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We help you reduce the risks associated with cross border commodity trading through tailored short term finance solutions.

  • Cash margin of up to 30% of financing limit
  • Financing can include fiscal fees e.g. import duties
  • Certified bank statements for 12 months
  • 3 years audited accounts & current management accounts
  • Copies of directors ID/PP and PIN
  • Directors joint and several guarantees
  • Board resolution
  • Letter of set-off
  • Cash margin mandate
  • Tripartite agreement with an approved collateral manager
  • Certificate of incorporation
  • Memorandum and articles of association
  • Pin certificate of the company

Apply For Financing Here

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