SME
About SME Term Industrial Loan
The Bangladesh Finance SME Term Industrial Loan is a long-term financing solution designed for industrial SMEs seeking capital for factory expansion, machinery upgrades, and large-scale industrial projects.
Key Features
- Loan tenure for working capital: up to 1 year
- Loan tenure for other purpose: up to 13 months to 60 months
- Loan limit is up to BDT 1.5 crore
- Flexible repayment structure based on the cash flow of your business
- Flexible disbursement method based on your specific needs
- If refinance or prefinance facility is available, then interest rate would be as per Bangladesh Bank guideline, otherwise flexible interest rate determined in ALCO depending on financial market situation
Benefits
- High-value loan amounts – secure substantial funding for industrial growth
- Structured repayment plans – tailored for long-term industrial investments
- Capital for machinery, factory setup & operational expenses
- Competitive interest rates & business-friendly terms
Required Documents
- Facility proposal
- Photocopy of NID/passport/driving license of the borrower
- 02 (two) passport-size photographs of the borrower
- Net worth statement of the borrower
- Photocopy of NID/passport/driving license of the guarantor(s)
- 02 (two) passport-size photographs of the guarantor(s)
- Net worth statement of the guarantor(s)
- Undertaking for Credit Information Bureau (CIB) report
- Bank statement (last one year)
- Summary of loan/lease facilities availed from other banks/FIs
- Copy of utility bills, e.g. electricity/gas/telephone bill (last month)
- Income tax return (IT 10B), if available
- Tax Identification Number (TIN/eTIN)
- Any other supportive paper/document
