Drive Your Business Forward: A Guide to NCBA’s Asset Finance Schemes

Growing a business often comes down to having the right equipment on the road or the worksite, but paying for it outright isn’t always realistic.

That’s where asset finance comes in, and NCBA has partnered with a lineup of leading vehicle and automotive dealers to make acquiring commercial assets easier for Kenyan businesses.

NCBA offers a series of tailored financing schemes covering everything from pickups and trucks to heavy commercial vehicles. Each scheme comes with its own mix of financing percentages, repayment periods, repayment holidays, and, in several cases, extra working capital to help keep operations running smoothly.

Whether you’re a contractor bidding on bigger jobs, a developer expanding your fleet, or a business owner looking to modernize your vehicles, there’s likely a scheme built with you in mind. Here’s a closer look at what’s on offer.

Why Asset Finance Makes Sense

Buying vehicles or heavy equipment outright ties up capital that could otherwise go toward growing your business. Asset finance spreads that cost over time, freeing up cash flow while still giving you full use of the asset from day one. NCBA’s schemes go a step further by bundling in benefits like repayment holidays — a grace period before repayments begin — and, for select partners, additional working capital to cover fuel, maintenance, staffing, or other operational needs.

The Schemes at a Glance

Nissan Navara — Crown Motors Financing of up to 95%, a 60-day repayment holiday, and up to 72 months to repay make this a strong option for businesses eyeing a dependable pickup.

Tata Trucks: Up to 95% financing, a 60-day repayment holiday, and a 60-month repayment period, plus an additional KES 500,000 in working capital to support your operations.

Simba Corp: 95% financing through NCBA, a 60-day repayment holiday, a 60-month repayment period, and an extra KES 500,000 in working capital.

Abbas Trucks: Up to 80% financing through NCBA for any MB Actros Range, with a 48-month repayment period and over KES 500,000 in working capital — ideal for businesses running heavy-duty logistics.

CFAO 100% financing through NCBA, a 60-day repayment holiday, and a 72-month repayment period — one of the most generous financing levels in the lineup.

Ashok Leyland: 90% financing through NCBA, a 60-day repayment holiday, a 60-month repayment period, and over KES 500,000 in working capital.

Inchcape: 90% financing through NCBA with a 60-day repayment holiday and a 60-month repayment period.

Car & General is designed for contractors, developers and business owners, offering up to 90% financing with flexible repayment periods of up to 60 months.

Mahindra: Up to 90% financing, a 60-day repayment holiday, a 60-month repayment period, and an additional KES 500,000 in working capital.

TNL Motors offers 80% financing through NCBA, a 60-day repayment holiday, and a 48-month repayment period.

Who Should Take Notice

These schemes are aimed squarely at business owners, contractors, developers, and other enterprises looking to acquire or expand their vehicle fleets. Whether you need a single pickup or a fleet of heavy trucks, the range of partners and financing structures means there’s flexibility to match different business sizes and needs.

Getting Started

With financing options reaching as high as 100%, repayment periods stretching up to 72 months, and working capital top-ups available on several schemes, NCBA’s asset finance partnerships are designed to lower the barrier to owning the vehicles and equipment your business needs to grow.

Reach out to NCBA or your preferred dealer partner to find out which scheme fits your business best.

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