At JBB, we look to support Medium enterprises by providing financial services that cover their business the through the entire trade finance cycle. We have redesigned the products in the Trade Finance segment in order to meet the need of entrepreneurs and owners of medium enterprises. The Bank Provides an end-to-end Trade Finance Cycle, thereby providing medium enterprises, the youth, women and people with disabilities; with a favourable and enabling environment from which to operate.

Our products through the different levels of trade are:



Letter of Introduction

The Youth/women, the Disabled and other groups registered by the Treasury for purposes of securing Government contracts are required to provide a confirmation of maintenance of an account. Jamii Bora will provide this confirmation to its clients who have maintained a business account for at least 3 months.

Bid/Tender Bonds

Jamii Bora will undertake to pay a sum of money to a prospective buyer if you win a tender for a contract. No security is required for this facility for amounts below Kshs. 3M but you should provide a performance bond.


Post Award

Performance Guarantee

This is issued to guarantee your due and proper performance of contractual obligations in an underlying contract after the award of the tender and is required before the parties sign the contract.

Bank Guarantee

Jamii Bora Bank will undertake a sum of money to an account holder with the main aim of insuring a buyer or seller from loss or damage due to non performance by the other party in a contract.


Delivery Financing

SME Secured Loan

This Loan that offers quick and convenient access to cash for business expansion needs, to acquire capital assets, property, for buying plots and construction. This loan is available only to Enterprises that have been in business for 12 months.

LPO Financing

This is a facility designed for contractors and vendors of reputable organizations to enable them execute work and local purchase orders from the respective employers. Facility provided at 70% of LPO value.

Asset Based Financing

This is a facility that enables customers to purchase assets in installments rather than one lump sum, in order to preserve cash flow or for other economic considerations, while getting the asset immediately.

Bora Customs Duty Facility

This facility has been made available to traders who import goods. It creates a faster way of settlement of duty charges to Kenya Revenue Authority (KRA) and avoid penalties.


Post Delivery Financing

Invoice Discounting.

This is a form of short-term borrowing often used to improve a company's working capital and cash flow position. This facility allows your business to obtain funds against it's sales invoices issued by the buyers. The buyeers will be subject to an Internal Rating and financing will be up to 80%.

Biashara Boost

This is a loan facility that allows businesses to turn in their invoices for cash capital to keep their business running. This facility is available to a company that makes/sells a product or delivers a service to credit worthy customers qualifies to obtain Factoring services.


General Loan Requirements:

  1. Copy of Certificate of Incorporation / Business Registration Certificate;
  2. Copy of Memorandum and Articles of Association for Limited Liability Companies;
  3. Copy of Company PIN certificate;
  4. Copies of Identification Documents (National IDs or Passports) of Directors or business owner;
  5. Copies of PIN certificates of Directors or Business Owners;
  6. Projected cash flows covering the next two years;
  7. Aged list of current debtors and creditors for working capital finance;
  8. Copies of bank statements for the last six months;
  9. Audited accounts for the last three years for amounts of Kshs. 3Million and above;
  10. Board resolution to borrow from Jamii Bora Bank Limited;
  11. Latest management accounts.

For More Information:

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