For SME

What We Need From You

• Duly completed Facility Application Form
• Certified copy of the Certificate of Incorporation
• Copy of Memorandum and Articles of Association
• Copy of Company TIN Certificate
• Original and copies of ID – Gensia or passport of directors, business owner or authorized signatories for the company
• Business Profile describing nature of Business, location, date incorporated, shareholding and directorship, years of operation, management, banking relationships, etc
• Copy of current Trade License or Business Permit
• If non-KCB customer, certified copies of bank statements for the last 12 months (deposit and Loan accounts), with original banking deposit slips for key deposits to the account
• Details of facilities enjoyed with other financiers if any, including inter-alia initial amounts approved, current balances, repayment terms and securities held
• Audited Accounts of the last 3 years. Must be provided for all applications above SSP 250,000
• Management accounts or income and expenditure statement for the current year
• A stock statement and aged lists of debtors and creditors
• Projected cash flows covering the period of facility – 1st year done on month to month basis - together with underlying assumptions
• Board of Directors Resolution to borrow and pledge securities
• Outline of total project cost, its breakdown and financing plan
• Supporting documents for the loan purpose e.g. LPO, Sale Agreement, Pro-forma Invoice, BQs, tender documents etc
• Primary security i.e. land titles, car logbook, stock pricelist, list of personal assets with value indicated