SME FINANCIAL

SERVICES

Small and medium enterprises (SMEs) are acknowledged worldwide as lifeblood of local trade, commerce and industry. With lower energy supply, lesser infrastructure facilities and minor environmental risk SMEs contributes notably to alleviation of poverty create employment opportunities, women empowerment and equitable distribution of income as well as diversification of industrial sector in Bangladesh.

Term Loan Financing

Industrial Term Loan: Financing for brand new project, expansion of existing project, acquisition, Balancing, modernization, renovation, expansion (BMRE) purpose aimed to cater manufacturing businesses.

Business Installment Loan: Financing for regular capital or fixed capital [ e.g.: procuring limited scale assets, renovating office premises, procuring medical equipment's & office equipment's for office etc.] to cater the needs for various trading/service based business.

Commercial Vehicle Loan [indirect procurement]: Financing for procuring Bus, Sedan Car for executives,Minivan, pick up, cargo, Prime Mover, Tank Lorry, Ready Mixer, Truck, prime mover, dump truck etc. used for commercial purpose.

Commercial Space Financing: Financing for procuring commercial space intent to use it as office, factory, show room etc.

Features
  • Facility Amount: Loan amount is above BDT 10.00 million to BDT 500.00 million.
  • Facility Type: Term Loan, Single Installment Loan & Revolving Loan.
  • Facility Term: Maximum 10 years with attractive moratorium period
  • Re-payment mode: Equal monthly installment [EMI]
  • Security: Land, building, flat etc. as collateral
Apply Now
Eligibility
  • Business experience: Minimum 5 years experience in the same line of business.
  • Sole-proprietorship, Partnership and Limited Companies can apply for the loan. In case of Sole-proprietorship business, the age of the entrepreneur should be Minimum 21 years & maximum 60 years.
Required Documents
  • Copy of updated Trade License [Enlistment and Licensed documents issued by regulatory authority]
  • Photographs of Applicant and guarantor(s)
  • Valid NID/Passport/Driving License of Applicant and Guarantor(s) Trade License, E-TIN
  • Bank statement of last 12 (Twelve) months
  • Copy of Utility bill
  • Rental deed copy
  • Necessary Security Documents

Lease/Asset Backed Financing:

Lease: Financing facility provided for procuring, Installing, testing, modernizing, replacing of Local/Foreign capital machineries and equipment.

Sub-Lease: Financing facility for procuring, Installing, testing, Local/Foreign capital machineries and equipment intend to sell under lease agreement to final consumer for commercial use.

Commercial Vehicle Lease/loan (Direct Procurement): Financing for procuring Bus, Minivan, pick up, cargo, Prime Mover, Tank Lorry, Ready Mixer, Truck, prime mover, dump truck etc. used for commercial purpose.

Sale and Lease Back: Financing on post procurement phrase of any capital machineries and equipment where client intend to sell it to LBFL and lease it back from LBFL.

Features
  • Facility Amount: Loan amount is above BDT 10.00 million to BDT 250.00 million.
  • Facility Type: Lease.
  • Loan Term: Maximum 10 years with attractive moratorium period
  • Payment mode: Equal monthly installment [EMI]
  • Security: Machinery, land, building, flat etc. as collateral
Apply Now
Eligibility
  • Business experience : Minimum 5 years experience in the same line of business.
  • Sole-proprietorship, Partnership and Limited Companies can apply for the loan. In case of Sole-proprietorship business, the age of the entrepreneur should be Minimum 21 years & maximum 60 years.
Required Documents
  • Copy of updated Trade License [Enlistment and Licensed documents issued by regulatory authority]
  • Photographs of Applicant and guarantor(s)
  • Valid NID/Passport/Driving License of Applicant and Guarantor(s) Trade License, E-TIN
  • Bank statement of last 12 (Twelve) months
  • Copy of Utility bill
  • Rental deed copy
  • Necessary Security Documents.
  • Relevant Standard Documents of the leased asset.

Working Capital Solution

Short Term Loan: Financing facility for meet up sudden business requirements like procuring additional raw materials, spare parts for machineries, wages payment, supplier payment etc.

Revolving Short Term Loan: Financing for replenishing working capital arises from business expansion or to cover day to day business operation.

Distributorship Financing: Financing for working capital support to the wholesale distributors of renowned local/multinational corporate houses for strengthen their capital base as well as expending the periphery of client.

Work Order Financing: Financing short term working capital support to vendors for undertaking a specific order.

Import Documents Release Loan: Financing for short term financial support to importers for releasing imported goods from port.

Features
  • Facility Amount: Loan amount is above BDT 10.00 million to BDT 150.00 million.
  • Facility Type: Short Term Loan
  • Loan Term: 12 months.
  • Payment mode: EMI/Structured/ monthly/ quarterly interest payment with principal at the end of tenure etc.
  • Security: Land, building, flat etc. as collateral
Apply Now
Eligibility
  • Business experience : Minimum 5 years experience in the same line of business.
  • Sole-proprietorship, Partnership and Limited Companies can apply for the loan. In case of Sole-proprietorship business, the age of the entrepreneur should be Minimum 21 years & maximum 60 years.
Required Documents
  • Copy of updated Trade License [Enlistment and Licensed documents issued by regulatory authority]
  • Photographs of Applicant and guarantor(s)
  • Valid NID/Passport/Driving License of Applicant and Guarantor(s) Trade License, E-TIN
  • Bank statement of last 12 (Twelve) months
  • Copy of Utility bill
  • Rental deed copy
  • Necessary Security Documents.

A strong vibrant financial

sector can play a significant role in the growth of Small and Medium Enterprises

In recognition of the role of SMEs, LankaBangla Finance Limited are now offering different types of SME Products based on business needs. We value and recognize each customer need and actively participate towards the development of the SME sector in Bangladesh. The value we deliver is demonstrated through our unique relationship model, industry expertise, and local market advantage.

We are here
for you with

Flexible Collateral norms based on client...

Our
Service

Limits offered: starting from BDT...

Our
Segment

Small Enterprise -Loan amount from BDT...

Features
  • Flexible Collateral norms based on clients financials, business and nature of Collateral.
  • No hidden costs on loan sanction.
  • Working capital limits to support your growth plans and enhancements based on your further requirements - ranging from BDT 0.3 million to BDT 200 million.
  • E-mail & Mobile alerts support to existing client.
  • Choice of fixed tenure for repayment (12 months to 60 months).
Features
  • Limits offered: starting from BDT 0.3 million to BDT 200 million.
  • Collaterals: Funding against commercial, industrial, residential property & liquid securities.
  • Facilities offered: Term Loan, Short Term Loan, Revolving loan, Structured Finance.
  • Management Services.
  • Fast processing and quick availability of loans.
  • Best suited for: Retailers, Traders, Manufacturers, Wholesalers, Distributors, Importers, Exporters, Dealers.
  • Pre-requisites: Minimum two years business experience.
Features
  • Small Enterprise -Loan amount from BDT 0.3 mln to BDT 30.00 mln
  • Medium Enterprise - From above BDT 30.0 mln to BDT 200.00 mln
Particulars 2019 2018
Long Term AA3 AA3
Short Term ST-2 ST-2
Outlook Stable Stable
  • AA3

    Very strong capacity
    Very high quality
    Very low credit risk

  • ST-2

    High grade
    Strong capacity
    Commendable liquidity

Rated by Credit Rating Agency of Bangladesh(CRAB)
Based on the Financials of the year ending December 31, 2018 Valid up to June 30 2021