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Trade Finance

KCB facilitates local and cross-border trading through operations and liquidity financing, as well as mitigating risks inherent in trade.

Choose from our range of Trade finance solutions based on your unique needs.

  • Bill Purchase

    This credit is extended to a seller who obtains financing and receives funds immediately after providing a sales document, which is sent to the buyer’s bank on behalf of the seller.

     

    Benefits

    1. No need for an LC

    There is no need to get a Letter of Credit to get funded.

    1. Improvement of liquidity.

    The product can convert forward receivables into cash on demand so as to accelerate capital turnover and relieve the pressure of finance.

    1. Simple process

    Enjoy a simple financing process upon application

  • Letters of Credit

    Letters of Credit help reduce the various risks that come with local and international trade. We support you by guaranteeing payment to your supplier if specified terms are met.

     

    Benefits

    1. Guaranteed payment

    Payment is guaranteed by the issuing bank to the confirming bank, as long as compliant documents are presented.

    1. Reduced risks

    Risks usually encountered by the buyer are mitigated.

    1. Allows multiple shipments

    Allows for multiple/continuous shipments as long as quality of products and price are guaranteed by an independent pre-shipment inspection company.

    1. Flexibility in products

    Allows access to other products e.g. pre-shipment finance and structured finance

    1. Timely delivery

    Ensures delivery is done within schedule and payment

  • Pre-shipment Financing

    This short-term offer is primarily offered to exporters. We help finance your products and base your repayments on your export proceeds or funds owed by your buyers.

     

    Benefits

    1. Provides working capital

    Helps to generate additional working capital to enable the client meet production demands

    1. Flexible security requirements

    Security requirements to take up this loan are dependent on amount.

    1. Allows for large consignments

    It facilitates the taking of very large orders

    1. Affordable rates

    Offers affordable rates compared to other borrowing facilities

    1. Revolving basis

    Accommodates re-borrowing after a specified period of time

  • Post Import Financing

    Sometimes your payments to your suppliers fall due before you are paid by your customers. With the Post-Import Finance Facility, KCB will bridge the financing gap and give you flexibility with additional time on your credit.

     

    Benefits

    1. Extended credit period

    The Bank allows its client an undisclosed extended credit period, allowing for negotiation for better rates with the seller.

    1. Low rates

    Enjoy lower lending rate (LIBOR, plus a small margin)

    1. Offsets LC bills

    Used by importers to pay the LC Bills as they fall due instead of debiting the current account.

    1. Low fees

    It is ideal to use when client account is not in credit balance as the fees charged are much lower than the O/D.

  • LPO Financing

    When you receive an order from a known buyer but are unable to finance it from your own resources, KCB will offer you LPO Financing to enable you fulfil the order.

     

    Benefits

    1. Up to70% financing

    Get financing of up to 70% of cost of items to be supplied.

    1. Flexible security requirement

    Security requirements to take up this loan are dependent on amount.

    1. Low interest rate

    Enjoy low interest rates on your loan

    1. Quick approval process

    Enjoy a quick approval process for your loan

    1. 90 days or less payment disbursement

    Disbursement takes a maximum period of 90 days depending on the terms of the LPO

  • Guarantees/Bonds - (Bid/Perfomance/Transit bonds)

    When you sign a business contract and need a guarantor, KCB Bank will step in on your behalf to reduce the risk of non-payment or non-performance. KCB Guarantees are accepted both locally and internationally.

     

    Benefits

    1. Increase in liquidity

    Client obtains credit hence increasing their level of liquidity

    1. Immediate compensation

    In case the customer defaults on payment, the beneficiary gets immediate compensation

  • Bills/Invoice discounting

    Don’t stall your project due to any unreceived payments. Our working capital loan facility allows you to stay liquid pending any receipts or collection of payment for work already invoiced. This facility offers the benefit of managing working capital and cash flow requirements for the contractor such as wages, salaries and other supplier payments pending collections.

     

    Benefits

    1. Immediate access to funds

    Immediate access to the proceeds of sales regardless of unreceived payment from customers

    1. Simple process

    Enjoy a simple application process for this credit facility

    1. Simple security requirements

    Enjoy additional working capital with simplified security requirements

  • Commodity Financing

    This credit facility is extended to producers of products who do not have access to Balance Sheet Lending. The producer obtains liquidity by leveraging his inventories well before the goods are sold into the market.

     

    Benefits

    1. Immediate access to funds

    Immediate access to the proceeds of sales regardless of unreceived payment from customers

    1. Simple process

    Enjoy a simple application process for this credit facility

    1. Simple security requirements

    Enjoy additional working capital with simplified security requirements

  • Documentary Collections

    We enable the importation and exportation of goods by handling the documents presented in the required order. This could be cash against documents, acceptance documents and/or the banks guarantee.

     

    Benefits

    1. Low bank charges

    They are cheaper than LC’s in terms of lower bank charges

    1. Short processing time

    Enjoy short processing periods and speedy payments

    1. Assured payment

    If documents are against acceptance (DA), it allows an importer a period of credit while assuring the exporter of payments

    1. Flexible bill settlement

    The drawee has flexibility on settlement of bills (especially for documents against acceptance)

    1. No impact on customer’s credit lines

    It bears no impact on the customer’s credit lines

  • Structured Trade Finance (STF)

    This is cross-border trade using non-standard security where the intention is to get repaid by the liquidation of a flow of commodities.

     

    Benefits

    1. Access to financing

    Gain access to financing where no other financing is in place

    1. Financing matched with trade cycle

    Financing facility is tuned to the producer’s production and trade cycle

    1. Off balance sheet operation/liquidity

    It operates on off balance sheet financing, keeping debt to equity low.

    1. Producer benefits from his record of accomplishment

    Allows producer to benefit from his track record in a reduced risk environment

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