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Empowering Growth, Enabling Possibilities.
Fuel your business growth with the ICB SME Loan—a flexible financing solution designed specifically for small and medium enterprises. Whether you’re expanding operations, boosting inventory, or upgrading equipment, this loan provides the working capital you need to move your business forward. With competitive rates and tailored repayment terms, ICB is your trusted partner in building sustainable success.
Features & Benefits
Quick Processing
Quick approvals with minimal documentation required.
Flexible Collateral Options
Use a Fixed Deposit or Cash Cover of at least 90% of the loan amount, along with personal guarantees from partners or directors, to secure your loan or up to 80% financing against acceptable collateral.
Trade Finance and Forex Solutions
Competitive pricing on imports, exports, guarantees, and foreign exchange.
Step Towards Larger Financing
Build a relationship with ICB and gradually become eligible for term loans as your business grows.
Flexible Tenure
Flexible repayment period of up to 12 months.
Competitive Interest Rates
Affordable rates designed to keep your financing cost-effective.
Loan Amounts to Suit Your Needs
Borrow the funds you need in TZS and USD currency, tailored to your requirements.
Flexible Working Capital
Short-term loans tailored to your cash flow requirements.
Designed for Growing Businesses
Available to SMEs operating for 3 years or more, providing the support you need to expand and succeed.
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
Tanzanian SMEs – 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.
- Banking Relationship – Must operate a current account with ICB for at least 12 months.
- 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
Term Loan
A flexible term loan offering tailored financing and repayment options to support personal needs, business expansion, and long-term growth.
Read More
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.
Read More
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.
Read More
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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