Stock financing with KCB
Finance your stock orders on DukaBuy with KCB Bank, DukaBuy's lead banking partner.
- Apply
- Inside DukaBuy
- Decision by
- KCB
- Repayments
- M-Pesa
NEW Stock financing from the bank you choose
Keep your bar fully stocked, from every brand.
Every manufacturer, the bank you choose, and the rider you trust, all in one app.
41K+PERAK bars & restaurants
100K+NDOA dukas
14banks & SACCOs
On DukaBuy
- KCB
- National Bank
- Co-op Bank
- Sidian
- HF Group
- NCBA
- Family Bank
- Standard Chartered
- EABL
- KWAL
- Keroche Breweries
- London Distillers
- PepsiCo
- Coca-Cola
- Bidco Africa
- Brookside
- PERAK
- NDOA
Try it · 10 seconds
The only retail app that lets you choose all five.
Tap through an order the way a bar owner would. Every choice is yours.
1 of 5Choose your manufacturer
2 of 5Choose your products
3 of 5Choose who finances it
4 of 5Buy direct or through a distributor
5 of 5Choose who delivers
Who it's for
Built around how your outlet actually buys.
41K+ PERAK membersBars & restaurantsWeekend restocks, credit from your bank, delivery before opening.Learn more →
Every major brandWines & spirits shopsCompare sellers, buy direct from makers, pay your way.Learn more →
100K+ NDOA membersDukasEveryday stock from many makers, without the trip to town.Learn more →
Your choice of riderDelivery you chooseMotorbike, tuk-tuk, van or lorry, from providers in your county.Learn more →
Also for manufacturers, distributors, banks and transport partners.
One marketplace
Buying, selling, bank financing and delivery, in one place.
Product-agnosticAny manufacturer, any product.
Financier-agnosticAny participating bank or SACCO.
Transport-agnosticAny provider, any vehicle.
Today
- Thin margins
- Cash on delivery or expensive informal credit
- Scattered suppliers
- Little access to formal trade finance
With DukaBuy
- Every manufacturer and distributor in one app
- Stock financing from the bank you choose
- Delivery by the rider you choose
Today
- Need a data-rich route to market
- Distribution, merchandising and promotions across thousands of outlets
With DukaBuy
- 141K+ outlets, directly or through distributors
- Live demand by product and county
- Shelf audits with photos, and promotions
Today
- Recurring cash shortages
- Patchy transport arrangements
- Outlet stock-outs and tied-up working capital
With DukaBuy
- Bank working-capital loans
- Orders straight from outlets' phones
- Transport partners chosen per delivery
What keeps the marketplace reliable
01Aggregated demandOrders pooled so makers and distributors can plan.
02Standard transactionsEvery order, payment and delivery recorded the same way.
03Cash-flow visibilitySales and repayments banks can lend against.
04Repayment disciplineNo new credit while an outlet is in arrears.
05Association partnershipsNDOA and PERAK vouch for their members.
Finance partners
Choose the bank or SACCO that funds your stock.
Apply inside DukaBuy. Only the bank you choose sees your application, and repayments go through M-Pesa.
- Repay through M-Pesa
- Only the bank you choose sees your application
- Credit tied to your real orders
National Bank
Partner bankCo-op Bank
Partner bank
HF Group
Partner bankNCBA
Partner bankFamily Bank
Partner bankStandard Chartered
Partner bankBank, SACCO or fintech?Fund stock-financing programs for outlets and distributors.
Partner with us Partner SACCOs
Noble SaccoImarisha SaccoPrime Time SaccoKMA SaccoAfya SaccoBoresha Sacco
Your business data stays private
Ask about financing DukaBuy shares your outlet's details and order history only with the bank you choose to apply to.
Who can join DukaBuy?
Bars, restaurants, wines & spirits shops and dukas, plus the manufacturers, distributors, banks, SACCOs and transport providers that serve them.
What happens after I sign up?
The DukaBuy team reviews your account. Once it's approved you sign in, link to your suppliers and start ordering.
How does stock financing work?
Inside the app you choose a participating bank or SACCO and apply. Only that bank sees your application and makes the decision. Repayments go through M-Pesa, and an outlet in arrears can't take new credit until it catches up.
Can I keep my current distributor?
Yes. Link to the distributor you already buy from, and if a manufacturer approves you, you can also buy from them directly.
Who delivers my order?
You do the choosing: pick a transport provider and vehicle, from motorbike to lorry, at checkout, or collect the order yourself.
I'm a PERAK or NDOA member. Is anything different?
You can join through your association, which vouches for its members with distributors and banks on DukaBuy.
Saw us on a banner?
You're one scan away.
Scan with your phone camera to open DukaBuy, or tap Get started. Questions? Write to dukabuy@nawiri.ke.
dukabuy.nawiri.ke
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