Need Quick Cash? How About Up To Ksh 300,000 Instantly On The KB Mobile App?

In business, every second and every shilling counts. Whether you are a small trader looking to restock fast-moving items or a mid-sized enterprise handling an unexpected opportunity, easy access to cash can make all the difference between a missed opportunity and a breakthrough.

Through the KB Mobile App, Kingdom Bank is empowering SMEs with instant access to unsecured mobile loans of up to Ksh 300,000!

Imagine you are at your supplier’s warehouse, and there is a flash sale on stock you move quickly, but you are short by Ksh 30,000. Instead of calling friends or scrambling for expensive short-term loans, you simply open your KB Mobile App, request a loan, and in minutes, the money hits your account. Just like that, business continues.

How SMEs Can Tap Into This Digital Boost

Download and Log In

If you are a Kingdom Bank customer, simply download the KB Mobile App from the Google Play Store or Apple App Store and log in securely.

Check Your Limit

The app will display your loan eligibility, up to Ksh 300,000, based on your transaction history and activity.

Request and Receive Instantly

Select the loan amount you need, accept the terms, and the funds land straight into your Kingdom Bank account. It’s that fast.

Repay Flexibly

Loans come with clear, manageable repayment terms so you can repay as your business grows, without strangling your cash flow.

You can also use the USSD *344# to get the loan

Steps to Get a Loan via *344#

Dial the USSD code

Open your phone dialer and enter *344#, then press call. This launches the Kingdom Bank mobile banking menu.

Enter your PIN

If prompted, input your USSD/mobile banking PIN to securely access your account.

Check your loan limit.

From the menu, select “Loan limit” or a similar option (typically labeled “Check loan limit”). This shows the maximum amount you’re eligible to borrow. Some posts note that you can simply “check your KB Mobile loan limit today” via *344#

Apply for the loan

After seeing your limit, choose “Apply for loan”, “Get loan”, or a similarly titled option. Follow the on-screen prompts to confirm your amount (up to your limit) and enter any other required info (e.g., repayment period).

Confirm & receive funds

Once you confirm, the amount is instantly disbursed to your Kingdom Bank account or linked mobile money (e.g., M-PESA), depending on the setup.

Repay via USSD or bank options.

Use *344# to repay the loan when due, or repay directly via M-PESA Paybill, mobile app, internet banking (Digilife), or at a Kingdom Bank branch.

Why This Matters for SMEs

1. Growth On Demand: Grab business opportunities without hesitation.
2. No Collateral Needed: Save your assets—your phone is your security.
3. Digital Convenience: Apply, track, and repay right from your palm.

True to its mission of “Banking with Purpose”, Kingdom Bank is proving once again that it understands the heartbeat of Kenya’s economy, the SMEs. With over 7.4 million SMEs in Kenya, access to flexible and fast financing could be the fuel needed to unlock the next wave of entrepreneurial growth.

So, whether you are a shopkeeper, boda rider, salon owner, or small-scale manufacturer, your business deserves a partner that moves at your speed.

Read Also: Kingdom Bank Partners With World Navi To Transform Vehicle Imports For Kenyans