Yellow goods commonly includes heavy construction and earthmoving machinery such as excavators, bulldozers, motor graders, wheel loaders, backhoe loaders, compactors, rollers, cranes and similar project equipment. DTB must confirm that the specific make, model, purpose, supplier and condition are eligible before financing is approved.

DTB may consider eligible new or used construction equipment and yellow goods, subject to supplier or seller checks, valuation, condition, ownership, insurance and credit appraisal. Examples may include excavators, bulldozers, graders, loaders, backhoes, compactors, rollers and cranes. Confirm the specific asset with DTB before paying a deposit.

You may apply to finance an eligible new or qualifying used excavator. DTB will assess the equipment price, age, condition, supplier or seller, valuation, customer contribution, insurance and your ability to repay before confirming the approved amount and terms.

Eligible bulldozers, motor graders, wheel loaders and backhoe loaders may be considered under construction equipment financing. Approval depends on the asset type, make, model, age, condition, useful life, valuation, supplier or seller, required contribution and the applicant's repayment capacity.

DTB currently states financing of up to 80% for eligible new construction equipment. This means the customer may need to contribute at least 20% of the approved equipment value plus any costs that are not included in the facility. The final margin is determined after credit and asset appraisal.

Eligible new equipment may be financed over a repayment period of up to 72 months. The approved term depends on the equipment's useful life, facility amount, repayment capacity and DTB credit assessment. Repayments may be monthly or quarterly according to the signed facility terms.

Yes. DTB currently states financing of up to 70% for qualifying used construction equipment, with repayment of up to 60 months. The equipment must meet the bank's age, condition, ownership, valuation, supplier or seller, insurance and credit-appraisal requirements.

The current product page states a maximum age of 15 years for used equipment. Eligibility can still depend on the machine type, model, condition, maintenance history, hours of use, remaining useful life, valuation and proposed loan term. Confirm how DTB calculates asset age before committing to the purchase.

Based on the published maximum financing, a customer may need to contribute at least 20% for eligible new equipment or at least 30% for qualifying used equipment. DTB may require a higher contribution depending on the asset, age, condition, valuation, seller, facility size and applicant profile. Fees, insurance and taxes may also require separate payment.

The final facility amount depends on the approved equipment value, financing percentage, customer contribution, DTB lending limits and the applicant's ability to repay. Ask DTB to confirm the current minimum and maximum amounts for the specific equipment before making a non-refundable payment.

Prepare copies of your national ID and KRA PIN, certified bank statements if you are a non-DTB customer, a pro forma invoice or asset sale agreement, a completed Hire Purchase application form and the applicable ownership document for used equipment. DTB may request business, contract, cash-flow, valuation, insurance or additional security documents.

The document identifies the equipment, seller, purchase price and proposed transaction. DTB uses it together with supplier, ownership, valuation and credit checks to assess whether the equipment is eligible and how much financing can be considered.

Yes. DTB states that financing is available to both DTB and non-DTB customers. Non-DTB customers should provide the required certified bank statements and complete DTB's KYC and credit-appraisal process. Account-opening or repayment-account requirements should be confirmed during application.

Eligible individuals, contractors, SMEs and businesses with verifiable income or cash flow may enquire about financing. DTB will assess the applicant's identity, banking history, existing obligations, repayment track record, customer contribution, equipment and supporting project or business information.

A start-up or first-time contractor may discuss the request with DTB, but approval depends on whether there is a credible and verifiable source of repayment. DTB may request contracts, business plans, projections, guarantees, a higher contribution or additional security where appropriate.

Potentially, subject to DTB approval. The seller and asset must pass ownership, identity, valuation, condition and documentation checks. Contact DTB before paying the seller so the bank can confirm whether the transaction and ownership documents meet its requirements.

Imported equipment may be considered subject to DTB approval and satisfactory supplier, invoice, shipping, customs, ownership, valuation, inspection and insurance documents. Confirm eligibility and all required documents before placing a non-refundable order or making a supplier payment.

DTB may require an independent valuation, inspection or technical assessment to confirm the asset's identity, condition, market value, hours of use, remaining useful life and suitability as security. Any applicable valuation or inspection cost should be included in the written cost breakdown.

DTB describes its interest rates as competitive, but the actual rate is confirmed after appraisal. The total cost may include interest, processing fees, valuation or inspection, comprehensive insurance and renewals, tracking or identification, credit-life cover where applicable, taxes, registration and other approved charges. Request a written cost-of-credit breakdown before accepting the facility.

Your instalment depends on the equipment price, amount financed, customer contribution, interest-rate basis, repayment period, repayment frequency and any costs included in the facility. Request an official repayment schedule from DTB showing each monthly or quarterly instalment and the total cost before signing.

The product page provides for monthly or quarterly repayment for new equipment. DTB will consider the applicant's verified cash flow during appraisal, but any repayment structure must be approved and stated in the facility letter. Do not assume that payment will only be due when a client or project pays you.

Processing time depends on whether the application and equipment documents are complete, the complexity and value of the asset, supplier or seller verification, valuation, credit checks and any additional security requirements. DTB can provide an indicative turnaround time after reviewing the specific request.

DTB will consider verified income or business cash flow, bank statements, existing credit commitments, repayment history, customer contribution, equipment value and useful life, supplier or seller, insurance, security and the completeness of the documents. Meeting the published requirements does not guarantee approval or the maximum financing percentage.

The financed equipment is normally the primary security. DTB may also require ownership documents, insurance, tracking or identification, guarantees, contracts or other collateral depending on the facility amount, equipment, applicant profile and credit appraisal.

Financed construction equipment will normally need insurance that meets DTB's facility conditions. Eligible applicants may also apply for Insurance Premium Financing to spread the cost of an approved annual premium. Confirm the required cover, insured value, excesses, renewals and premium-finance terms before purchase.

You may submit another application if your repayment record, cash flow and overall ability to service additional debt remain satisfactory. DTB will reassess existing obligations, security and affordability before approving another facility.

Early settlement may be possible, but the approved facility letter remains the source of truth. Request an official settlement figure from DTB showing the outstanding principal, accrued interest and any applicable charges before making the payment.

Do not sell, transfer, replace or materially alter financed equipment without DTB's written approval. Contact the bank so it can confirm the outstanding balance, assess the proposed sale and explain how sale proceeds, replacement security or any shortfall must be handled.

Report an insured event to the insurer and DTB promptly and follow the claims process. A breakdown or accident does not automatically suspend repayment. Maintain the equipment and contact DTB early if the event affects cash flow. Any repayment change or restructuring is subject to assessment and approval.

Contact DTB as soon as you expect difficulty making a repayment. Restructuring is not automatic and must be assessed. Repossession or sale of the equipment does not necessarily clear the debt; you may remain liable for any outstanding balance, default interest and permitted recovery costs after sale proceeds are applied.

Compare the total cost of credit, interest-rate basis, customer contribution, financing percentage, repayment period and frequency, eligible asset age, valuation and inspection fees, insurance, security, supplier restrictions, early-settlement terms and affordability. The best option is one that finances suitable equipment while leaving enough cash flow to operate, maintain the asset and make every repayment on time.

Select Get In Touch on the DTB webpage or visit a DTB branch. Identify the equipment, obtain a pro forma invoice or asset sale agreement, prepare the required identification and bank documents, complete the Hire Purchase application form and provide ownership documents for used equipment where applicable. DTB will assess the applicant, seller, equipment and repayment capacity before issuing facility terms if approved.