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Key Product Features

Borrowing Amount

A Kina Unsecured SME Business Loan is designed to support local business and that’s why we offer a borrowing range of PGK50,000 through to PGK100,000. It makes it easier for you to plan for your growth or make that next purchase with the confidence of knowing you have the right lending partner

Loan Terms

While other banks lock you into extended terms that make it hard for you to plan, that’s not how we operate. We prefer to focus on offering you the flexibility of time. That’s why our loans range from 1-year to 7-year terms.

Low interest rate of 6.95%

We offer the lowest rate in PNG. At only 6.95%, our business rates are designed to grow your business, not slow it down.

Payment Period

Managing your cashflow is critical to any business. That’s why our repayments are set up to be made monthly. It allows you to plan and manage your cash flow in a way that suits you, not us.

What About Other Fees?

Good question. There are some fees associates with our lending products. But we’ve worked hard to remove upfront application fees, documentation fees and much more!

Frequently Asked Questions
What is a Kina Unsecured SME Loan?

An Unsecured business loan is for businesses related purposes tailored to help support long term growth for Small Medium Enterprises.

What items can I purchase with a Kina Unsecured SME Loan?

Our Kina Unsecured SME Loan is designed to help grow your business. We can fund purchases for new cars, equipment, property and even refinancing – plus much more.

How do I apply for a Kina Unsecured SME Loan?

To apply for a Kina Secured SME Business Loan you will need to speak to one of our customer service representatives in branch or via our call centre. Our team will help guide you through the process and identify the correct loan amount and loan term. As part of the application, you will need to show a minimum turnover of PGK250,000, show proof that your company has been operating for a minimum of two years and also provide a 12-month cash flow projection. You will also be required to provide documents showing your business registration, and have 2 for forms valid ID. To apply visit one of our branches or call us on 308 3800 / toll-free 180 1525 or email us at kina@kinabank.com.pg

What are forms of primary ID?

When applying for a new account you will need to have 2 forms of primary ID. We classify primary ID as:

  • Passport (foreign passport must include a copy of your entry permit)
  • Driver’s licence
  • Employment ID card with employment confirmation letter
  • Current student ID and confirmation letter from your tertiary provider
  • Superannuation membership card
  • PNG work permit with Labour & Industrial Relations letter
  • PNG Government issued photographic Licence and or Permit
  • National Identity card issued by NID office

*All forms of ID must be valid. Any expired ID won’t meet the ID requirements and as such we won’t be able to accept the ID. If you don’t have 2 forms of primary ID please call us on +675 308 3800 or 180 1525.

What are the features of the Kina Unsecured SME Loan?
  • 6.95% fixed loan rate
  • No application fee
  • Flexible loan terms from 1 year to 7 years.
What are the fees and charges attached to the Kina Unsecured SME Loan?

We’ve worked hard to remove a number of the fees that you’d usually expect from a business loan. All of our fees and charges can be found in the Kina Bank Fees Schedule.

If I am an existing Kina Bank customer, am I eligible to apply for a Kina Unsecured SME Loan?
Yes. You will be subject to the normal application process and security requirements. But, as an existing Kina Bank customer your current accounts and loans can be used to review your eligibility.
What is the minimum company turnover required to apply for the Kina Unsecured SME Loan?

To apply for a Kina Unsecured SME Loan you need to have a minimum company turnover of PGK250,000

Can I refinance my current business loan across to the Kina Unsecured SME Loan?

Yes, if you have a business loan with another bank or financial services institution, speak to one of our Business Advisors today. They will help to secure your new concessional loan rate.

Important Information

Application Form

Still have questions?

Call Toll Free on 180 1525 or +675 308 3800

Or email us on kina@kinabank.com.pg

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