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…someone once said that. Distinction in service requires great commitment. It requires changing the way you do things to a more focused approach. This ethos was recently recognised by Think Business 2019 Banking Awards. Credit Bank, the Best Bank in Tier III. This affirms that no matter what your size is, excellence can be part of you.

The Inspiration

Our primary driving force is who we serve, our customers. You are at the core of our very existence. Our financial solutions are built around problems many businesses face in the market. Further, these solutions are targeted at transforming the society in which we all operate in. Those that benefit from using our services go on to benefit others as well.

As such our inspiration stems from the desire to transform. We take pride in our solutions resulting in numerous success stories that have in turn been beneficial to many more in the various markets our customers operate in.

The Perspiration

A single article cannot cover what goes on behind the scenes to make it possible for Credit Bank to be the Best. The best we can do is gloss over the highlights.

Corporate Governance. A system of values that govern relationships of the various stakeholders of the bank. It is the sober foundation in which the bank operates ensuring a long-term future and sound operations. We have built our culture around values such as integrity, trust and teamwork. It involves going over and above regulatory requirements to establish processes that strengthen the foundation of our operations. We recently covered why such strong foundations can be the very reason of success.

Systems. Credit Bank has invested heavily in systems that ensure efficiency while not curtailing innovation in our operations. Technology plays a critical role in this. As a Bank, we continuously dedicate resources in investing in state-of-the-art technology that allows distribution and delivery of our services worldwide at the palm of your hand. Part of the systems scope is security where we go the extra mile to educate you, our customers, on more measures you can take to secure your banking with us.

Structure. While this has been the success of many organisations, the crucial element for our success is flexibility and accessibility. Traditional structures make it hard to access services. In the event of a problem it is even harder to detect and provide a solution to the customer. What we have in place for our customers is a way to access. This can be done through various avenues including our call centre, social media and relationship managers at our respective branches. Flexibility means if your problem is not solved, escalation is easy as accountability is part of our communication structure.

People. The critical human resources that ensure the structures and systems in place work. As a customer you get to meet the front facing people that deliver our service to you. Our front facing employees are part of a larger team that work together to harness synergies that ensure efficiency in service delivery. They work day in day out to process your documents and give you the financial solutions that will transform your business.

Our recent accolade from Think Business adds fuel to the fire. It is an encouragement to us to go on working hard, be persistent and determined to take the Bank to the next level. As our customer, this reaffirms our commitment to being the best in every aspect of our service delivery to you.

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More Options

Empowering you to grow takes a special place at the heart of our operations. elev8HER is designed just for you and offers more than just financial solutions. We seek to be the friend you can bank on for your growth. Join elev8HER today and get exclusive access to:

  • ~elev8HER Community – a chance to market your business to others
  • ~elev8HER Health – activities such as walks, free check-ups and more
  • ~elev8HER Newsletter – with business insights and features a client each month
  • ~elev8HER Visa Debit Card – a card just for you
  • ~elev8HER Site – this comes with learning modules and expert opinions on various matters
  • ~elev8HER Café – features business moguls to learn engage and prosper

 

Insurance Options

HER Car Insurance

 

With elev8HER, we have curated our motor vehicle insurance options just for you. We have the following options:

  • ~HER Private Motor Vehicle Cover – this covers all vehicles used for personal, social and pleasure purposes.
  • ~HER Commercial Vehicles – this cover is for all vehicles used in the line of doing business.

This insurance cover indemnifies you in respect of accidental damage including collision, fire, theft of the vehicle and third party liabilities.

 

HER Business Insurance

 

This is a comprehensive insurance that covers your property against any accidental and unforeseen loss or damage. It offers a wide range of unique benefits depending on your needs. The following policies are available under this class among others:

  • ~Fire and Allied Perils (Burning flame, explosion, impact, flood, malicious Damage)
  • ~Burglary policy including holdup
  • ~Cash in transit/Goods in transit
  • ~Home Insurance (Domestic Package) – Sections A,B,C,D, E & F
  • ~All risks
  • ~Fidelity Guarantee policy
  • ~CAR
  • ~WIBA

 

HER Health Cover

 

This cover is suitable for you and your employees. You can now have peace of mind together with your employees with our medical cover. Credit Afya Health product is designed for both individuals and SMEs and offers the following:

  • ~Inpatient and outpatient cover
  • ~Various memberships for free – Mums Club, Senior Club, Maisha Fit among others
  • ~Terms and condition will vary for different clients and different requirement.

 

HER Travel Insurance

 

Travelling the world? This cover is for you if you are travelling for leisure or business and offers you the following:

  • ~Emergency Medical and related expenses
  • ~Loss of Baggage
  • ~Travel inconveniences
  • ~Personal accident

The cost of this cover is normally dependent on number of days of travel, country of destination, country of destination, your age and type of visit.

eHub

eHub is a platform designed to enable your small and medium sized enterprise (SMEs) scale and become competitive across industries. eHub provides a platform for you to network, learn and do business. Non-financial service package include access to e-hub for free/discounted rates:

  • ~Access to eHub Accelerator programs
  • ~Access to eHub Circles
  • ~Access to eHub Mentors
  • ~Access to eHub Masterclass
  • ~Access to eHub One on one coaching sessions
  • ~Women Café – monthly talks on pertinent issues affecting women in business and women in general

Learn more here.

 

Financing Options

HER Business Loan

If you have run a small and growing enterprise for at least three years, this term loan is designed to meet your financing needs.

What You Get
  • ~Access loan value of up to KES 10 million
  • ~Preferential interest rate
  • ~Last two months interest rebate upon full redemption of loan and consistent repayment with no incidence of arrears.
  • ~Access to other elev8HER products such as insurance packages with discounted premiums, and non-financial service package including access to eHub for free

 

HER Start-Off Loan

 

If you have run a micro and small enterprise between one and three years, this term loan is designed to meet your financing needs.

 

What You Get

 

  • ~Access loan value of up to KES 3 million
  • ~Preferential interest rate
  • ~An unsecured option is available
  • ~Last two months interest rebate upon full redemption of loan and consistent repayment with no incidence of arrears.
  • ~Access to other elev8HER products such as insurance packages with discounted premiums, and non-financial service package including access to eHub for free

 

HER Trade Loan

 

Sometimes cashflows are tight. This solution is meant to ease your cash operations in the short term. Access this financing with your LPO/LSO contracts. Open an elev8HER account for business transactions to build your business banking record.

 

What You Get

 

  • ~Get up to 70% cash value on your LSO/LPO contracts
  • ~If you have an invoice yet to be paid, our Invoice Discounting offers up to 70% cash value
  • ~Access training and coaching through eHub and other non-financial services .
  • ~Access to other elev8HER products such as insurance packages with discounted premiums, and non-financial service package including access to eHub for free as above

 

Her Digital Loan (Women Pre-Approved Cash Loan)

 

Need quick cash? CB Konnect, our mobile banking app, gives you access to quick loans based on your transaction history with no security required.

 

What You Get

 

  • ~No collateral required
  • ~Access to other elev8HER products such as insurance packages with discounted premiums, and non-financial service package including access to eHub for free as above
Account Options

HER Personal Account features:

  • ~No Monthly Charges 
  • ~Minimum operating balance Kshs. 2000
  • ~Charges via Digital Channels apply

HER Business Account features:

  • ~Get unlimited access for a flat monthly fee of KES 500
  • ~No charges for Cheque Book

  • ~Access to a Visa Debit Card*

  • ~No minimum or operating balance
  • ~Charges via Digital Channels apply