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JICA-SME Loan

Can I get a SME Loan? Check Now!

Fees and Charges

JICA-SME Loan

SME Loan by JICA is a loan facility under the two-step fund, provided by Japan International Cooperation Agency (JICA) offered to small and medium business enterprises of Bangladesh. This Term Loan facility is offered for the purpose of meeting Working Capital requirements and/or purchasing fixed assets.

Eligibility

	Entrepreneurs having a minimum of 1 year experience in the same line of business

	The Business must be a going concern with minimum operational experience of 1 year

Eligible Projects

	Fixed assets (including machinery, equipment, factory buildings and related civil works)

	Technical know-how, consultancy services and training

	Working capital (including initial stocks or increase in stocks of raw materials, spare parts and components)

	Leasing of industrial and business equipment

Loan Limit

Minimum BDT 0.50 million to maximum BDT 50.00 million

Loan Term

	Fixed Assets Financing: 2 to 5 years

	Working Capital Financing: 1 year, annually renewable up to 5 years

Interest Rate and Fees

We offer competitive interest rate and fees. Please contact any of our branch offices for current rate and fees.

Key Features

	We offer loan without any collateral for up to BDT 1.50 million

	We offer partial cash-secured loan up to BDT 7.00 million

	We offer loan for Working Capital Finance and/or Lease finance for business

	Borrowers having loan facilities with other financial institutions can also avail this facility

	Convenient repayment options are offered, consisting of Equal monthly installments and/or customized repayment schedule

	We bring fast and quality service at your doorstep

Terms & Conditions

	Entrepreneurs have to submit the evidence of use of the proceeds of the Loan (E.g. receipt or bill, invoice from suppliers)

	Entrepreneurs have to submit financial statements for every accounting term, at least on an annual basis , until the full repayment of the Sub-loan

	Entrepreneurs will allow the IDLC Finance Limited(PFI), Bangladesh Bank (PIU), Ministry of Finance – Finance Division (MOF-BFID) or Japan International Cooperation Agency (JICA) to inspect the Project, if the PFI, PIU, MOF-BFID or JICA so requests

	Entrepreneurs have to follow all the environmental regulations established by GOB (Government of Bangladesh) and JICA (Japan International Cooperation Agency)

To know more about SME Loan by JICA, please contact us at sme@idlc.com

For more information on our other products, please contact our relevant department.