Flexible trade finance for SMEs
We understand our SME clients and their needs.
A mission, vision and purpose born
with SMEs in mind.
How our process works
Step 1: Pre-application
Apply online to see if you qualify and receive a timeslot with a commercial team representative (1 min).
Step 2: Application stage
Meet with representative to discuss financing need and fill application form (1 hour).
Step 3: Verification stage
Provide KYC documents for verification process and review by credit committee (1 day).
Step 4: Documentation
Sign loan agreement and provide requested documents to initiate disbursement.
Step 5: Disbursement
Funds are transferred to nominated account.
Our Products
What's receivable based financing?
This is financing to bridge the gap after you invoice the buyer for goods delivered but yet to receive payment from the buyer. Our facility also covers instances where a business is to undertake a business transaction but is unable to meet its financial obligations, such as in financing an LPO.
What's loan based financing?
This is financing to enable the supplier to engage in supply chain activities in order to deliver a good/service to the buyer.
Invoice DiscountingInvoice Discounting
This is where we purchase your invoice at a percentage of it’s face value and pay the balance of the invoice once we receive payment from the buyer.
- Increased Cash Flow
- Speeds up the Working Capital Cycle
- Only pay Interest on the Money that you Borrow
Cheques DiscountingCheques Discounting
This is where we finance your forward dated cheque at a percentage of face value and pay the balance of the cheque once it’s cleared.
- Immediate Access to Funds
- Improved Cash Flow
- Mitigates Credit Risk
LPO/Order FinancingLPO/Working Capital Financing
This is a form of trade finance where we provide the funds required to service the local purchase order (LPO).
- Easily Fulfill Large Orders
- Improved Cash Flow
- No Collateral Requirement
Trade/Supply Chain FinanceTrade/Supply Chain Finance
This is an extended LPO financing. It is a customized finance solution that covers multiple points along a client’s supply chain. It blends both receivable and loan based solutions to create a holistic financing mechanism for a particular transaction.
- Extended Payment Terms
- Enhanced Liquidity
- Risk Mitigation
LeasingLeasing
This is an asset financing solution allowing clients to acquire and utilize capital-intensive assets without primarily owning the asset. The financier – DCL (Lessor) purchases the asset and provides to the client (Lessee) who pays a pre-agreed monthly instalment to utilize the asset over a set period of time.
- Preservation of Capital
- Improved Cash Flow Management
- Access to Up-to-Date Equipment
Insurance Premium FinancingInsurance Premium Financing
A short-term loan solution tailored to enable clients pay for their annual insurance premium and repay in pre-agreed monthly instalments over a pre-agreed period of time.
- Preservation of Cash Flow
- Asset Protection
- Risk Management
Why Choose Us?
Our products are curated to support, value and ensure SMEs growth.
Our partners and vendors
Partner to some of Kenya’s most trusted brands
Our impact in numbers
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Frequently asked questions
Here's something to know we get sit down.
What is the difference between post-performance and pre-performance financing?
Post-performance is financing after you’ve delivered the product/service to the buyer and are awaiting payment wile pre-performance is financing before you have served the client.
How many invoices/transactions can I finance?
There is no limit to the number of invoices and transactions you can finance, however there is a limit on the balance due to DCL that a client can hold at any given time.
Who is eligible for financing?
Clients must the following criteria:
- Has been in operation for 1+ years
- Has banked with current bankers for at least 6 months.
- Maximum three unpaid items in the last 6 months
- No past due to LCs, loans or interest arrears in the last 6 months
- The business should not be on the prohibited list as defined in Credit Policy
How long does the application process take?
Subject to provision of pertinent documents and results of security perfection, the process can take as little as 48 hours.
Where are we located?
We are conveniently located at 7th Floor, International House in the heart of CBD.
Still got questions?
If you cannot find the answer to your question in our FAQs, you can always contact us. One of our financing experts will be happy to help.
