Loan application process (Cach)

1. SME registration
2. profile completion & verification
3. credit assessment
4. loan product matching
5. application submission
6. lender review
7. decision communication
8. disbursement
9. repayment management

Requirements to access a loan

• CRB status

• If you’v borrowed a big loan before in a bank, your repayment behavior

• Cash flow (bank, m-pesa statements)

• Nature of business (frequent, seasonal or seldom)

• Age of business

• Movable assets for collateral

• Sometimes, guarantor