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Need funds yet your account balance is below zero? Apply for an Overdraft from us.

Co-operative Bank is Regulated by the Central Bank of Kenya.


Access funds even when your savings balance is below zero.

Businesses need a steady cash flow to keep running at optimal levels. Our Overdraft facility enables your business operations to continue without any interruptions.

  1. Utilization is on a need basis
  2. Interest payment is on what has been utilized
  3. May be repaid off at any given time without any penalties
  4. Is an easy source of stop-gap financing to bridge short term operating cash flow differences.
  1. Copies of identification documents, that is, Memorandum and Articles of Association (for registered companies) 
  2. Certificate of Incorporation (for registered companies)
  3. Business Registration Certificate
  4. Identity cards for borrowers who do not have registered businesses 
  5. Identity cards for directors of registered companies and registered businesses
  6. Bank statements for 6 months, audited accounts for loans above Ksh 5 million
  7. Resolution to borrow (for registered companies), details of business location and securities to be provided

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