GENERAL REQUIREMENT TO OBTAIN A CREDIT FACILITY
 A KCBL customer who has a desire to apply for a loan in the institution must fulfill the below requirements before writing application letter.
•    Must have at least 3months well serviced saving account according to his or her business operations.
•    Must have a continued/existing registered business/economic project.
•    Must have a collateral (registered immovable property /house with deed) to secure his/her loan.
•    Must have good history in other Financial Institutions.
•    Visit to his /her business site and collateral.

Coupled with the above requirements later the client will need to submit the  following documents:
•    Audited accounts of his business
•    Valid insurance for his/her collateral /property.
•    Land rent for his/her collateral
•    Fill the Spouse/Owner’s Consent form
•    Register his /her collateral in favor of  KCBL.

Without delay ,a client will get the loan as soon as possible after he/she completed the above requirements and documentation.


PEMBEJEO LOANS:
These are loans guaranteed by Government through Agricultural Input Trust Fund for agricultural inputs in duration of 12-24 months. These loans are specifically for:

•    Agricultural Marketing Co-operative Societies (AMCOS)
•    Savings and Credit Co-operative Societies (SACCOS)
•    Registered stockiest / Agro-Input dealers. 
•    Individuals / Companies.

Conditions and Requirements for Pembejeo Loans:
•   The customer must have an account with KCBL e.g. Savings a/c
•    Application letter.
•    Member/ Board Resolution to borrow (in case of groups, companies and co-operatives).
•    Audited financial Statements for the last/previous financial year.
•    Maximum Liability certificate from the Government (Assistant Registrar for Co-operative societies in case of AMCOS or SACCOS).

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