Invoice Discounting
Unlock up to 80% of your outstanding invoice value within 24 hours. Improve cash flow without waiting for customer payments. Confidential facility available.
Key Features
- Up to 80% advance on invoice value
- 24-hour funding after approval
- Confidential discounting available
- Recourse and non-recourse options
- Online invoice submission portal
- Flexible — discount individual invoices
Rates & Charges
- Facility Fee: 1% p.a.
- Discount Rate: 1.5% - 2.5% per 30 days
- Processing Fee: 0.5% per invoice
- Minimum Invoice: KES 100,000
Eligibility Requirements
- Business operating 1+ year
- Invoices from creditworthy buyers
- Minimum monthly invoicing KES 500,000
- Trade credit insurance (for non-recourse)
Required Documents
- 📋 Copy of invoices and delivery notes — Bring to branch
- 📋 Buyer credit assessment — Bring to branch
- 📋 Audited financial statements — Bring to branch
- 📋 Debtor aging report — Bring to branch
Frequently Asked Questions
Find answers to common questions about our services.
What is the difference between recourse and non-recourse?
How quickly are funds released?
Do my customers know their invoices are discounted?
Terms & Conditions
Invoice Discounting facilities are subject to the Bank's Trade Finance Terms and Conditions. The Bank reserves the right to reject individual invoices that do not meet creditworthiness criteria. Under recourse arrangements, the borrower guarantees payment if the debtor defaults.All invoices submitted for discounting must be genuine, undisputed, and free from encumbrances. Fraudulent submission of invoices constitutes a criminal offense and will be reported to the relevant authorities.
Ready to Get Started?
Open your Invoice Discounting today. Visit any branch or apply online.
Apply for Invoice Discounting
Related Products
Comprehensive financial solutions designed for individuals, businesses, and institutions.
Business Current Account
Business BankingComprehensive business transaction account with payroll management, bulk payments, and a dedicated relationship manager. Ideal for established enterprises.
RTGS Transfer: KES 200
From KES 10,000
Business Savings Account
Business BankingPut your business surplus to work with competitive interest of 3% p.a. while maintaining easy access to funds for operational needs.
Interest Rate: 3.0% p.a.
From KES 0
Overdraft Facility
Business BankingFlexible revolving credit facility up to KES 10 million to manage cash flow gaps. Interest charged only on the utilized amount with no fixed repayment schedule.
Renewal Fee: 1% annually
From KES 500,000
Invoice Discounting
Business BankingUnlock up to 80% of your outstanding invoice value within 24 hours. Improve cash flow without waiting for customer payments. Confidential facility available.
Facility Fee: 1% p.a.
From KES 100,000