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Instant Access, Continuous Momentum
Keep your business moving with the ICB Overdraft Facility. Designed to support your short-term working capital needs, this flexible credit line allows you to access funds beyond your account balance—whenever cash flow is tight. With no maximum limit, a tenure of up to one year (renewable based on account performance), and a competitive interest rate, the ICB Overdraft Facility gives you the financial agility to manage day-to-day operations without disruption.
Features & Benefits
On-Demand Access
Draw any amount within your approved limit whenever you need it.
No Fixed Repayment Pressure
Repay anytime within the approved limit, giving you total repayment flexibility.
Wide Collateral Choices
Accepts a broad range of securities, with financing up to 70% of pledged collateral value or up to 90% if backed by cash collateral (Fixed Deposit).
Pay Only for What You Use
Interest charged only on the utilized amount, and only for the days it’s used.
Short-Term Financing Made Simple
Tenure of up to 12 months, renewable based on account performance.
Flexible Currency Options
Available in both TZS and USD.
Working Capital Support
Perfect for covering day-to-day operational needs and short-term business requirements.
Quick Processing
Quick approvals with minimal documentation required.
Safe & Secure Banking
Borrow with confidence from a trusted and regulated bank.
Stay in Control
Receive free e-statements and instant transaction alerts and reminders, so you’re always informed and in charge of your finances.
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.
No Hidden Costs
Transparent terms and clear charges, so you know exactly what you’re paying.
Eligibility
Individuals aged 18 years and above- Non-Individuals – (Clubs, Societies or Associations)
- Sole Proprietorship and Partnership
- Limited company registered in Tanzania
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Revolving Short Term Loan
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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
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