Overdraft Facility
Flexible 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.
Key Features
- Facility up to KES 10,000,000
- Interest on utilized amount only
- No fixed repayment schedule
- Annual renewal option
- Property or debenture security
- Same-day activation after approval
Rates & Charges
- Renewal Fee: 1% annually
- Interest Rate: 14% - 17% p.a.
- Monitoring Fee: KES 500/month
- Arrangement Fee: 1.5% of facility
Eligibility Requirements
- Business operating 2+ years
- Active business current account with Omni-Trust
- Minimum monthly turnover KES 500,000
- Acceptable security (property, debenture, or cash cover)
- Clean credit record
Required Documents
- 📋 Audited financial statements (2 years) — Bring to branch
- 📋 6 months bank statements — Bring to branch
- 📋 Business plan or cash flow projections — Bring to branch
- 📋 Security documents (title deed or debenture) — Bring to branch
Frequently Asked Questions
Find answers to common questions about our services.
How is overdraft interest calculated?
What happens at the end of the facility term?
Can the limit be increased during the term?
Terms & Conditions
The Overdraft Facility is a revolving credit line subject to annual review and renewal. The Bank may demand full repayment of the utilized amount at any time with 30 days written notice. The facility is secured by collateral as agreed during origination.Exceeding the approved limit without prior arrangement constitutes a breach of the facility terms and attracts excess interest at the contract rate plus 5%.
Ready to Get Started?
Open your Overdraft Facility today. Visit any branch or apply online.
Apply for Overdraft Facility
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