This loan provides support to the growth and development of small enterprises with conventional collateral to secure loans.

Loan size: Loan ranges from Kshs 300,001 to Kshs 1,000,000

Repayment period: Maximum repayment period- 36 months


  • Conventional security e.g. logbook, title deed, shares etc.
  • 10% savings
  • Two guarantors with JBB active accounts

Eligibility Criteria

  • Business must have been operated from a permanent place for at least one year
  • Client must have borrowed previously either from JBB or any other bank with no arrears and graduation to be 150% of previous loan subject to ability to pay

Loan Requirements

  • Copy of ID and PIN Certificate
  • Copy of Business registration certificate & business records
  • Current six months bank statements from other banks
  • Loan statement from previous borrowings where applicable
  • Spousal consent & Copy of I.D
  • Copy of ID and PIN certificates for the guarantors and sign guarantee indemnity
  • Copy of utility bill
  • Operate JBB account for at least 3 months