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Finance Tailored to Your Needs
Bring your plans to life with the ICB Term Loan Product, a flexible financing solution designed to meet both personal and business needs. Whether you’re managing short-term obligations, funding medium-term projects, or investing in long-term growth, our Term Loan adapts to your goals with repayment options that suit your timeline. From urgent cash flow requirements to major capital investments, the ICB Term Loan gives you the financial strength and flexibility to move forward with confidence.
Features & Benefits
Grace Period Advantage
Enjoy up to 6 months’ relief on principal repayment, giving your project time to start delivering results.
Flexible Financing Options
Choose a repayment period that suits your needs: short-term (up to 12 months), medium-term (1–5 years), or long-term (over 5 years).
Flexible Prepayment
Repay early at any time without penalties and save on interest.
No Hidden Costs
Enjoy zero commitment fees, keeping your borrowing affordable.
High Collateral Value
Access up to 80% financing against a wide range of acceptable collaterals.
Cost-Efficient Borrowing
Interest is charged on a reducing balance, so you only pay on the outstanding amount.
Currency
Loan available in both TZS and USD currencies.
Tailored Solutions
Suitable for personal use, business expansion, or project financing.
Convenient Repayments
Fixed instalments with the option to make early prepayments and save on interest.
Affordable Borrowing
Enjoy attractive, competitive interest rates tailored to your loan type.
Quick Processing
Quick approvals with minimal documentation required.
Safe & Secure Banking
Borrow with confidence from a trusted and regulated bank.
Convenience at Your Fingertips
Use ICB Digital our NetBanking and MobileBanking platform to check your account balances, pay utility bills, GePG payments or transfer funds to other banks and mobile wallets and more, anytime, anywhere.
Stay in Control
Receive free e-statements and instant transaction alerts, so you’re always informed and in charge of your finances.
Eligibility
Tanzanian Businesses – Available to sole proprietorships, partnerships, and limited liability companies duly registered and operating in Tanzania.- Experienced Businesses – Your business should have been operating for at least 3 years in the same or similar trade.
- Proven Track Record – Stable cash flows and proper accounting systems demonstrating the ability to run your business profitably.
- Legal Compliance – Hold a valid business license or permit from local authorities in the business name.
- Physical Premises – Must have a registered business premise (owned or rented).
- Good Credit Standing – Verified through the Credit Reference Bureau, reflecting reliability and financial responsibility.
- Owner Eligibility – Tanzanian citizens aged between 18 and 60 years.
Related Products
SME Loan
A flexible small and medium enterprises (SME) financing solution offering competitive rates and tailored repayment options to support working capital and business growth
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Overdraft Facility
A flexible overdraft facility providing instant access to funds beyond your account balance to support short term working capital requirement and day-to-day operations.
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Revolving Short Term Loan
A flexible overdraft facility providing instant access to funds beyond your account balance to support short term working capital requirement and day-to-day operations.
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Alternative Delivery Channels
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Agency Banking
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Internet Banking
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Mobile Banking
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ICB Umoja Debit Card
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ICB Mastercard Debit Card
Download ICB Digital App
Experience convenient and secure banking with ICB Digital, enabling you to manage accounts, transfer funds, pay merchants and settle utility bills and government payments anytime, anywhere.
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