KCB facilitates local and cross-border trading through operations and liquidity financing, as well as mitigating risks inherent in trade. Choose from our range of Trade finance solutions based on your unique needs.
Letters of Credit help reduce the various risks that come with local and international trade. We support you by guaranteeing payment to your supplier if specified terms are met.
View Letters of Credit DetailsPayment is guaranteed by the issuing bank to the confirming bank, as long as compliant documents are presented.
For tax purposes, the asset is ‘on-balance sheet’ i.e. it is treated as though it belongs to the customer.
The customer qualifies for interest, wear and tear deductions and any applicable investment allowances.
Ownership of the asset will be passed on to the customer after receipt of the final payment.
Ensures delivery is done within schedule and payment.
Sometimes your payments to your suppliers fall due before you are paid by your customers. With the Post-Import Finance Facility, KCB will bridge the financing gap and give you flexibility with additional time on your credit.
View Post Import Financing DetailsThe Bank allows its client an undisclosed extended credit period, allowing for negotiation for better rates with the seller.
Enjoy lower lending rate (LIBOR, plus a small margin).
Used by importers to pay the LC Bills as they fall due instead of debiting the current account.
It is ideal to use when client account is not in credit balance as the fees charged are much lower than the O/D.
This type of financing allows you to execute a contract without having your cash in your account. The bank finances you on the basis of this contract and therefore facilitates its execution.
View LPO Financing DetailsGet financing of up to 70% 80 of the contract amount.
Security requirements to take up this loan are dependent on amount.
Enjoy low interest rates on your loan.
Enjoy a quick approval process for your loan.
Disbursement takes a maximum period of 90 days depending on the terms of the LPO.
When you sign a business contract and need a guarantor, KCB Bank will step in on your behalf to reduce the risk of non-payment or non-performance. KCB Guarantees are accepted both locally and internationally.
View Guarantees/Bonds - (Bid/Performance/Advance Payment)DetailsClient obtains credit hence increasing their level of liquidity.
In case the customer defaults on payment, the beneficiary gets immediate compensation.
Don’t stall your project due to any unreceived payments. Our working capital loan facility allows you to stay liquid pending any receipts or collection of payment for work already invoiced. This facility offers the benefit of managing working capital and cash flow requirements for the contractor such as wages, salaries and other supplier payments pending collections.
View Bills/Invoice discounting (IDF) DetailsImmediate access to the proceeds of sales regardless of unreceived payment from customers.
Enjoy additional working capital with simplified security requirements.
Enjoy a simple application process for this credit facility.
This credit facility is extended to producers of products who do not have access to Balance Sheet Lending. The producer obtains liquidity by leveraging his inventories well before the goods are sold into the market.
View Commodity Financing DetailsImmediate access to the proceeds of sales regardless of unreceived payment from customers.
Enjoy additional working capital with simplified security requirements.
Enjoy a simple application process for this credit facility.
We enable the importation and exportation of goods by handling the documents presented in the required order. This could be cash against documents, acceptance documents and/or the banks guarantee.
View Documentary Credit DetailsImmediate access to the proceeds of sales regardless of unreceived payment from customers.
Enjoy additional working capital with simplified security requirements.
Enjoy a simple application process for this credit facility.
It bears no impact on the customer’s credit lines.
The drawee has flexibility on settlement of bills (especially for documents against acceptance).
This is cross-border trade using non-standard security where the intention is to get repaid by the liquidation of a flow of commodities.
View Structured Trade Finance (STF) DetailsGain access to financing where no other financing is in place.
Financing facility is tuned to the producer’s production and trade cycle.
It operates on off balance sheet financing, keeping debt to equity low.
Allows producer to benefit from his track record in a reduced risk environment.