Compare business loans in South Sudan
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Longest published term
KCB Bank South Sudan SME Loan (Secured)
★★★★☆
KCB Bank South Sudan states 'Regulated by the Bank of South Sudan' on its website and appears on the Bank of South Sudan's licensed bank list
Licence
KCB branches in South Sudan
Coverage
Registered businesses with assets they can pledge
Best For
bank
Type
Pros
- Repayment of up to 60 months, the longest published business term we found in this market
- Accepts a broad range of security including title deeds, land, debentures, fixed deposits, car logbooks, stock and personal assets
- Publishes a detailed document checklist, so a business can prepare properly before applying
Cons
- No interest rate, arrangement fee or maximum loan amount is published, so the cost of the facility is unknown until you apply
- It requires pledged collateral, so businesses without registered assets are excluded, and default puts those assets at risk
- Country risk is material: currency instability, cash and foreign-exchange shortages and the absence of any deposit-insurance scheme all affect a borrowing business and its bank
Fees, eligibility & documents
Fees
Interest rateNot published; request the full facility letter before signing
Arrangement and security feesNot published
Maximum amountNot published
Eligibility
- Registered small or medium business able to pledge acceptable security
- Non-KCB customers must supply 12 months of bank statements
- Larger facilities require audited accounts for the last three years
Documents needed
- Completed facility application form
- Certified copy of Certificate of Incorporation
- Company tax identification number
- Directors' identification documents
- Business profile and trade licence
- 12 months of bank statements for non-KCB customers
- Audited accounts for the last three years above the bank's stated threshold
- Projected cash flows and supporting loan documentation
Equity Bank South Sudan Trade Finance
★★★★☆
Equity Bank South Sudan states 'Equity Bank is Regulated by Bank of South Sudan' on its website and appears on the Bank of South Sudan's licensed bank list
Licence
Equity branches in South Sudan, supported by the wider Equity regional group
Coverage
Contractors and traders needing bonds or guarantees to bid and deliver on contracts
Best For
bank
Type
Pros
- Covers bid bonds, performance bonds and advance payment guarantees, which are what contract work in South Sudan actually requires
- Backed by a regional group with correspondent relationships beyond South Sudan
- Sits alongside Equity's agriculture and asset finance lending, so a business can consolidate facilities
Cons
- No pricing, commission rate, security requirement or eligibility criterion is published, so nothing can be compared in advance
- Guarantee facilities normally require cash cover or security; expect that to be substantial and confirm it before committing
- Country risk applies: currency instability, foreign-exchange scarcity and the absence of a deposit-insurance scheme all bear on trade facilities
Fees, eligibility & documents
Fees
Commission and issuance chargesNot published; request a written quotation
Security or cash coverNot published; expect a requirement and confirm it early
Eligibility
- Registered business customers of Equity Bank South Sudan
- A specific contract or tender requiring a bond or guarantee
Documents needed
- Not published online; ask the branch for the trade finance application requirements
Reaches beyond Juba
Rural Finance Initiative (RUFI) Microfinance Loans
★★★★☆
RUFI describes itself as a regulated microfinance institution on its own website but does not name the regulator or publish a licence number. Ask which authority supervises it before borrowing.
Licence
South Sudan branches at Juba (Munuki), Bor Town, Yambio Town and Kajo Keji; RUFI also operates in Uganda
Coverage
Smallholder farmers, group borrowers and small traders outside the main banking network
Best For
mfi
Type
Pros
- Operating in South Sudan since 2008 with branches outside Juba, in Bor, Yambio and Kajo Keji
- Offers group guarantee loans, so borrowers without collateral or formal employment can still access credit
- Runs cross-border into Uganda, which matters for displaced people and returnees moving along that corridor
Cons
- No interest rate, fee, loan size or repayment term is published, and microfinance pricing is typically much higher than bank pricing, so ask for the total cost of credit in writing
- The regulator is not named on its site, so the supervisory position and any complaints route are unclear
- There is no deposit-insurance scheme in South Sudan, and a group guarantee loan makes you liable for other members' repayments as well as your own
Fees, eligibility & documents
Fees
Interest rateNot published; insist on the total amount repayable before accepting a loan
Loan size and termNot published
Eligibility
- Group, individual, farming and small-business borrowers
- Presence within reach of a Juba, Bor, Yambio or Kajo Keji branch
Documents needed
- Not published online; contact the nearest branch for the current requirements
