SME LOAN



EBL Asha


EBL Asha
  • Any business purpose loan from Tk.2,00,000 to Tk.15,00,000 (Repeat loan from Tk.2,00,000 to Tk.15,00,000)    
  • Loan repayable in equal monthly installment    
  • Repayable within 3 to 36 months (Repeat loan repayable within 48 months)  

Eligibility:

  • Any sole proprietorship, partnership or private limited companies having minimum 2 years of successful business operation    
  • Monthly cash flow to support the proposed loan installment    
  • Another 2 personal guarantee

Repayment:

  • Monthly installment
Apply now

EBL Agrim


EBL Agrim
  • Loan to meet-up seasonal demand
  • Loan facility minimum Tk.200,000 – maximum Tk.950,000    
  • No collateral security required
  • Loan tenure 4 month to 6 months
     
  • Partial payment and early payment allowed- no additional fee required

Eligibility:

  • Any enterprise with one & half years business experience in same or relevant field    
  • Business cash flow to support the proposed loan in one shot    
  • Necessary documents of business    
  • Bank account in the name of the enterprise or entrepreneurs    
  • Personal guarantee required

Repayment:

  • Single shot payment at maturity but interest will be realized on monthly basis
Apply now

EBL Mukti


EBL Mukti
  • Credit facility from BDT 1 lac up to BDT 1 crore for women entrepreneurs or women led businesses.
  • Collateral requires for loan amount above BDT 50 lac up to BDT 1 crore.
  • Interest rate is up to BDT 50.00 lac- 5.00% p.a. (as per BB Circular).
  • Repayable in 06-60 Months.

Eligibility:

  • No bank transaction requires for loan up to BDT 20.00 lac.
  • 30% sales reflection requires from loan amount of BDT 21.00 lac to BDT 50.00 lac.
  • 50% sales reflection require from loan amount of BDT above 50 lac up to BDT 1 crore.
  • For loan amount from BDT 01 lac to BDT 50 lac length of business require 2 years.
  • For loan amount from BDT 50 lac to BDT 1 crore length of business require 3 years

Repayment:

  • Monthly Installment basis
Apply now

EBL Nobodoy


EBL Nobodoy
  • Loan for agro based industries    
  • Loan amount minimum Tk.2,00,000 - maximum Tk.1,00,00,000    
  • Interest Rate10% p.a.    
  • Repayable within maximum 60 months.
  • No security required up to 10 lac but 50% of the loan amount in the form of FD is needed for any amount over 10 lac

Eligibility:

  • Any agro processing business having 2 years of successful business operation in the same line of business    
  • Bank account in the name of the proprietor or his institution    
  • Two guarantors required    
  • Business cash flow must support to the proposed loan amount.

Repayment:

  • Monthly Installment

For details, please contact nearest EBL Branch or SME Center or the following Relationship Officer. 

* Conditions apply

Apply now

EBL Udoy


EBL Udoy
  • Can be availed for any legal business purposes/expansion of business.
  • Loan amount from BDT 1,00,000 to BDT 2,000,000
  • Term loan facility
  • Tenor up to 24 months
  • No collateral required

 

 

  • Interest rate at 4% p.a. only

Eligibility:

  • CMSMEs as per BB definition, located outside Municipalities if owner/entrepreneur is male.
  • CMSMEs owned by Women Entrepreneur/s located throughout the country (rural & metropolitan).
  • Minimum 2 years of business experience required.
  • Monthly cash flow must support monthly installment of proposed loan.
  • CMSMEs already availing stimulus loan will not be eligible.

Repayment:

  • Monthly installment.

For details, please contact nearest EBL Branch or SME Center or the following Relationship Officer. 

* Conditions apply

Apply now

EBL Krishi Rin


EBL Krishi Rin
  • Loan for Individual Farmers/Share Cropper who are directly engaged in crop cultivation    
  • Loan Limit Minimum Tk.10,000 and Maximum Tk.1,50,000
  • Loan may be given for one time or revolving basis
  • No collateral required
  • No loan processing fee

Eligibility:

  • Any individual Bangladeshi farmer/share cropper having minimum 1 year experience in farming    
  • Loan will be extended to the owners up to 15 bighas cultivable land /7.5 bighas for potato & sugarcane cultivation

Repayment:

  • Repayment depends on harvesting of the crops    
  • Repayment tenor minimum 3 months and maximum 12 months
Apply now

EBL UTKORSHO


EBL UTKORSHO
  • Collateral free loan fromTk.20,00,000 to Tk.2,00,00,000    
  • Terminating loan facility (EMI based)    
  • For BDT less than 1 Crore – max. 4 years and BDT 1 crore and above - max. 5 years.
  • Loan for working capital, fixed assets purchase and other business purposes
     

Eligibility:

  • Any successful enterprise minimum 5 years in same or relevant business    
  • Relevant permission from the appropriate authority to run the business    
  • Business income to support the proposed loan installment    
  • Minimum Tk.6,00,00,000 Annual Sales Turnover    
  • 100% Bank Reflection of Sales Turnover

Repayment:

  • Easy Monthly instalments by 12-60 months
Apply now

EBL Utpadon


EBL Utpadon
  • Bundle loan for any productive business enterprises    
  • Loan amount from Tk.5,00,000 to Tk.3,00,00,000    
  • Combination of Term Loan and Overdraft    
  • Medium Term Loan for 2-5 years (including 1 year grace period)    
  • Long Term Loan for 5-8 years (including 2 years grace period)    
  • Appropriate Working Capital for 1 year (Annually renewable up to 5 years)    
  • Competitive Interest Rate    
  • Flexibility in loan usage, interest would be charged on utilization amount only
     

Eligibility:

  • Any sole proprietorship, partnership or limited companies having minimum 2 years of successful business operation    
  • Minimum 30% equity participation by owner(s) of the business    
  • Collateral security required along with charge on business assets    
  • Business cash flow must support to the proposed loan amount
     

Repayment:

  • Term Loan is repayable by Equal Monthly Installment    
  • Regular transaction in OD account and quarterly interest will be served immediately after quarter end
     
Apply now

EBL Projukti


EBL Projukti
  • Loan for Individual Farmers for purchasing Agricultural Machinery    
  • Loan Limit Minimum Tk.10,000 and Maximum Tk.1,50,000    
  • Competitive Interest Rate    
  • No collateral required

Eligibility:

  • Any individual Bangladeshi farmer having minimum 1 year experience in farming    
  • Up to loan BDT 1,50,000 less than 3 (three) acres land owner may apply and above BDT 1,50,000 minimum 3 (three) acres of own cultivable land is required.

Repayment:

  • Monthly Instalment    
  • Repayment EMI basis within 3-24 months
Apply now

EBL E-Cash/Loan


EBL E-Cash/Loan
  • Cash Collateral backed Overdraft/Term Loan    
  • Loan amount from Tk.50,000 to Tk.10,00,00,000    
  • E-Cash: Revolving facility for 1 year
  • Interest Rate: FD Rate+3% ,p.a.
  • Flexibility in loan usage, interest would be charged on utilization amount only

Eligibility:

  • Any sole proprietorship, partnership or limited companies having minimum 2 years of successful business operation  
  • Maximum 95% of Present Value of FD
     

Repayment:

  • Term Loan is repayable by Equal Monthly Installment    
  • Regular transaction in OD account and quarterly interest will be served immediately after quarter end
Apply now

EBL Invoice Factoring


EBL Invoice Factoring
  • Receivable financing through invoice discounting    
  • Limit amount maximum BDT 5 crore    
  • Interest rate 13% per annum or as determined by bank’s ALCO time to time
  • Accepted invoice from list of buyers/debtors including EBL's Corporate Clients, MNCs, Multilateral Agencies, Banks, NBFIs Insurance Companies, NGOs
     

Eligibility:

  • Any legitimate business with two years business in the same line or relevant business    
  • Primarily assignment of accepted invoice/receivables    
  • Factoring Agreement with EBL
     

Repayment:

  • Over 30 days but not exceeding 120 days
Apply now

EBL Bannijyo


EBL Bannijyo
  • Credit facility up to BDT 35,000,000 to any legitimate import business    
  • Nil margin LC facility    
  • No requirement of land/building mortgage    
  • Post import facility up to 6 months
  • 30% of total limit in the form of FD as collateral request
  • Over Draft facility to support day to day general expenses

Eligibility:

  • Any legitimate business with three years of operation and at least one year experience in import business    
  • Necessary import related documents
  • Business cash flow to support repayment

Repayment:

  • Monthly installment
Apply now

EBL Green Credit


EBL Green Credit
  • Opportunities to save energy or implement renewable energy    
  • Evaluate appropriateness of technological solutions    
  • Assess the technical feasibility and economic viability of potential projects
  • Link up with vendors and energy service providores
  • Provide financing and mobilize funds for investment

Eligibility:

  • Steal Re-rolling, Light Engineering, Pulp and Paper, Cement, Poultry, Textile, Readymade Garments, Chemicals, Plastics, Food and Beverage and Others.    
  • Technologies and areas of intervention of these sectors with energy efficient motors.    
  • Waste heat recovery and Co-generation    
  • Renewable energy consisting of solar thermal and solar PV applications,    
  • Biomass gasification    
  • Use of biogas to generate electricity and/or system

Repayment:

Apply now

EBL Cash Credit


EBL Cash Credit
  • Any legal business purpose for working capital
  • Loan amount from BDT 3,000,000 to BDT 50,000,000
  • 100% Cash Credit (OD)
  • Revolving facility for 1 year
  • Collateral security required along with charge on business assets
  • Interest would be charged on utilization amount only

Eligibility:

  • Any sole proprietorship, partnership or limited companies having minimum 5 years of successful operation in same line of business
  • Business cash flow must support the proposed loan amount.

Repayment:

  • Regular transaction in OD account and quarterly interest will be served immediately after quarter end.

Apply now

EBL Uddipan


EBL Uddipan
  • Any purchase, construction, development, renovation, face uplift of commercial/residential space for rental/commercial purposes/own use (Or any other legitimate commercial purposes).
  • Loan amount from BDT 10.00 lac to BDT 25.00 Crore.
  • Any purchase, construction, development, renovation, face uplift of commercial/residential space for rental/commercial purposes/own use (Or any other legitimate commercial purposes).
  • Loan amount from BDT 10.00 lac to BDT 25.00 Crore.
  • Loan Tenor 12-180 months.
  • Terminating Loan facility (EMI Based.)
  • Grace Period facility available.
  • Registered mortgage on land and/ or building as collateral security.

Eligibility:

  • Trade license is mandatory.
  • No length of business experience is required for rental income.
  • Business experience should be minimum 3 years if financing is required for purchase/construction of office, factory, go-down etc.
  • Relevant permission from appropriate authorities to run the business.
  • Business income must support the proposed loan installment

Repayment:

  • Monthly Installment basis
Apply now

EBL Business Solution


EBL Business Solution
  • Any legal business purpose or expansion of business
  • Loan amount from BDT 1,000,000 to BDT 50,000,000
  • Loan Tenor up to 60 months
  • Terminating loan facility ( EMI based)
  • Registered mortgage on land and/ or Building as collateral security

Eligibility:

  • Any sole proprietorship, partnership or limited companies having minimum 5 years of successful operation in same line of business
  • Minimum 3 years in same line of business for loan amount up to BDT 2 crore. For loan amount above BDT 2 Crore minimum 4 years’ experience is required.
  • Business income must support the proposed loan installment

Repayment:

  • Payment by Equal Monthly Installments.
Apply now

EBL Business Wonder


EBL Business Wonder
  • Any legal business purpose or expansion of business
  • Loan amount from BDT 2,000,000 to BDT 30,000,000
  • Loan Tenor ranging from 24 months to 60 months
  • Terminating loan facility ( EMI based)
  • Registered mortgage on land and/ or Building as collateral security required for loan above BDT 50 Lacs
  • Interest Rate: 6% p.a. for CMSME customers located outside Dhaka & CTG Metropolitan area and 7% p.a. for CMSE customers located in Dhaka & CTG area.

Eligibility:

  • CMSMEs (Cottage, Micro, Small & Medium Enterprises) across the country as per Bangladesh Bank SME Definition.
  • Eligibility of CMSMEs is subject to sector, segment and location of the business.
  • Minimum 4 years in same line of business for loan amount up to BDT 50 Lacs. For loan amount above BDT 50 Lacs minimum 5 years’ experience is required.
  • Business income must support the proposed loan installment.
  • Relaxed eligibility criterion to be entertained for Women Entrepreneurs.
  • Age of the borrower has to be within 25-65 years at the time of application.

 


Repayment:

  • Payment by Equal Monthly Installments.
  • Grace period facility up to 6 months is available for eligible manufacturing and service sector clients.
Apply now