Trade Credit Solutions

Working capital solutions for businesses to grow and thrive

From 1.5% per month (18% APR)

What is Trade Credit?

Trade credit is a business-to-business financing solution that allows you to purchase goods and services now and pay later, helping you manage cash flow and grow your business.

Flexible Payment Terms

Choose payment terms that align with your business cycle - from 30 to 90 days.

Improve Cash Flow

Preserve working capital for other business needs while accessing inventory and supplies.

Business Growth

Scale your operations without the immediate cash outlay for inventory and supplies.

Business Requirements

  • Business registration certificate
  • Directors' ID copies
  • KRA PIN for business and directors
  • 6 months business bank statements
  • Business financial statements
  • Two business references

Financing Features

  • Credit Limit: Based on business capacity
  • Repayment Period: 30 - 90 days
  • Interest Rate: 1.5% – 2.17% per month (18% – 26% APR)
  • Calculation Method: Reducing Balance
  • Revolving credit facility
  • No hidden fees or charges

Loan Calculator

Compare Flat Rate vs. Reducing Balance calculations

Reducing Balance (Recommended)
Flat Rate
Range: 1.5% – 2.17%
Short-term: 1-6 months typical

Monthly Payment: KES 0.00

Total Repayment: KES 0.00

Total Interest Paid: KES 0.00

Effective APR: 0%

Benefits of Trade Credit with Utu Bora Credit

No Collateral Required
Unsecured business financing

Fast Approval
Quick processing and disbursement

Build Business Credit
Establish and improve your business credit profile

Ready to Grow Your Business?

Apply Now Chat with Support