stanbic Ibtc SME Loan

How to Get Stanbic IBTC bank Business Loans EZ Cash for SME

Last Updated on December 9, 2023 by admin

Do you need working capital for your business? Whatever your business needs are, EZ cash for SMEs is the right loan to help meet your need Instant loan to support your business and You can choose a repayment option between one to twelve months.

The SME Loan is a tailored made lending facility that is available to businesses for meeting working capital needs and to achieve business goals.The EZ Cash term loan has replaced the Overdraft facility. The Overdraft feature has been retired.

eligible Borrower can get Up to 5 Million instant loan at Convenient repayment plan spread over 6 – 12 months. The loan interest rate is 2.5% per month, 15% for 6months and 30% for 12 months.EZ Cash for SME is also available on all Stanbic IBTC online and mobile banking platforms (Internet Banking, Enterprise Online, Mobile App)

It’s short-term working capital to customers to help them Bridging short term financial needs for Business growth. The loan is accessible to existing and new to bank customers with limited documentations required.

Customer’s can top up the EZ Cash if they still have enough available limit and the top-up value falls within the allowed monthly repayment range. Top up of EZ cash loan can be done via USSD, Mobile App and Internet Banking.

Limits are determined based on the client’s repayment capability as assessed by the bank. For additional loan, you can apply for any of our cash backed loan facilities.The limit accessible changes from time to time based on your income profile and repayment on loan from other source

Interest rate

2.5% monthly

Loan Tenure

1 – 12 months.


Basic criteria for accessing EZ cash term loan

To access stanbic IBTC EZ cash term loan you must meet the following basic criteria:

1. Your Account must have been opened for at least 6 months
2.Account ran satisfactorily over the same period with no unauthorized overdrawn/excesses
position, no returned cheque etc.
3.. Client between the age of 18 and 59 year


How to apply for EZ cash for SMEs

1. You can request for EZ Cash for SME instantly by dialing *909*44# or log into your Stanbic IBTC Mobile app/Internet Banking/Enterprise Online and select “Request EZ Cash”

2. Enter all requested details (Amount, repayment period)
3. Upon successful credit evaluation and checks a loan offer is presented with duration and applicable interest based on user’s current risk score
4. Once you accept the Terms & Conditions your account will be credited immediately


For further enquiries, send an email to or call 0700 333 3333

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