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SME LOAN
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
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
EBL Mukti
- Credit facility from BDT 5 lac to BDT 50 Lac for women entrepreneurs or women lead business
- No collateral security required
- Interest Rate is 10% p.a.
- Repayable in 6-60 months
Eligibility:
- Business Cash Flow to support repayment
- For loan up to BDT 15 Lac length of business should be 1 year, for loan from BDT 15-25 Lacs length of business should be 2 years and for loan from BDT 25-50 Lacs length of business should be 3 years.
Repayment:
- Monthly installment
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
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
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
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
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
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
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
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
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
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:
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.
EBL Uddipan
- For purchasing, constructing, renovating, face uplifting commercial space and developing /constructing worker shed/house for rental purposes or own uses for office, factory, showroom, go-down etc.
- Loan amount from BDT 1,000,000 to BDT 150,000,000
- Loan tenor 12 -120 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
- 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:
-
Equal Monthly installments by 12-120 months.
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.
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.
