Updated 10 November 2026
The KCB clean energy loan for private schools is an unsecured facility on KCB Bank Kenya’s site for renewable energy projects such as solar installations and energy-efficient equipment. Published limits run from KSh100,000 to KSh10 million, with a five-year tenor and termly repayments that must not exceed 40% of actual termly school fees. This guide lists the official amounts, the document pack, and the security KCB still asks for even though the product is labelled unsecured.
Checked on 9 November 2026 against KCB’s Clean Energy Unsecured Loan product page. The page says rates and terms are estimates and may change after credit assessment. Confirm with KCB before you apply.
On this page
What the KCB clean energy loan covers
KCB describes the facility as designed to finance renewable energy projects such as solar power installations and energy-efficient equipment for private schools. The pitch on the product page is lower operating costs and environmental benefit, with “competitive interest rates and flexible repayment terms” and “without the need for collateral” in the opening copy.
Read the rest of the page carefully. Under rates and fees, KCB still lists a deed of assignment that channels all school fees into the KCB account, board resolution, directors’ guarantees and a supplier invoice for payment. So the KCB clean energy loan is marketed as unsecured against hard collateral, but it is not a no-strings facility.
KCB clean energy loan limits and repayments
Published numbers on the product page:
| Item | Published figure |
|---|---|
| Minimum amount | KSh100,000 |
| Maximum amount | KSh10 million |
| Tenor | 5 years |
| Repayment style | Termly instalments |
| Instalment cap | Must not exceed 40% of actual termly school fees payment |
The 40% cap is the binding affordability rule. If a school collects KSh3 million in a term, termly loan service should stay at or below KSh1.2 million under the published rule. KCB does not publish a sample amortisation table on this page.
Rates and fees on the KCB clean energy loan
Interest is described only as “risk based lending”. Negotiation fees or rate are listed as zero. There is no published margin over the Central Bank Rate on this product page, so do not invent one. KCB’s footnote says figures are estimates and actual terms depend on credit assessment and market conditions.
For context on how KCB prices other personal and business loans, see our separate guide to KCB loan interest rates. That page is not a substitute for this school clean-energy facility’s own term sheet.
Documents for the KCB clean energy loan
The “What We Need From You” list on the product page is long. Core items for the clean-energy facility include:
- Completed loan application form
- Certified copies of national ID or passport for account signatories, KRA PINs and coloured passport photos
- Approval to borrow from the county director
- Projected cash flows with assumptions, plus aged debtors and creditors lists
- Deed of assignment to channel all school fees into the KCB account
- Banking relationship of at least six months; 12 months of statements if the school is multi-banked
- Audited accounts for the last three years for amounts above KSh5 million, or 12 months of income and expense statements if there are no audited books
- Board resolution to borrow
- Ministry of Education registration certificate (or progress details if not yet available)
- Copy of invoice with supplier account details for payment
Extra infrastructure-loan items also appear on the same list (building plans, structural drawings, priced bills of quantities, NEMA approval where applicable, NCA and county contractor licences, performance bond). If your project is pure equipment supply against a proforma invoice, ask the relationship manager which infrastructure lines still apply.
Why the KCB clean energy loan still asks for security
Even though the product name says “Unsecured”, the rates and fees block lists:
- Deed of assignment of school fees into the KCB account
- Board resolution to borrow
- Directors’ guarantees
- Supplier invoice for disbursement
That is a conflict between the marketing headline and the checklist. Disclose it to your board as written: KCB is not asking for a land title on the published list, but it is asking for fee assignment and personal guarantees. Confirm in writing which items are mandatory for a solar-only drawdown.
Before you apply for a KCB clean energy loan
- Get a dated proforma invoice from a licensed solar or equipment supplier.
- Check whether net metering or other EPRA rules affect the installation — see our net metering Kenya rules guide.
- Model termly fees so the instalment stays within the 40% cap.
- Keep at least six months of KCB banking history before you apply.
- Ask for a written indicative offer that states the risk-based rate, fees and which document lines apply to your project size.
Related Business Radar reading for school operators includes SME business insurance and business fibre for SMEs, which are separate products from this loan.
Frequently asked questions
What is the maximum KCB clean energy loan for private schools?
KSh10 million, with a minimum of KSh100,000, according to KCB’s product page checked on 9 November 2026.
How long can you take to repay?
The published tenor is five years, with termly instalments that must not exceed 40% of actual termly school fees.
Is the interest rate published?
No. The page only says risk-based lending and zero negotiation fees. Ask KCB for an indicative rate after assessment.
Do you need collateral for the KCB clean energy loan?
The product is labelled unsecured, but KCB still lists a deed of assignment of school fees, directors’ guarantees and a board resolution. Confirm the final security pack in writing.
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