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.

Ahona
Unsecured SME Loan

AHONA is an unsecured loan facility for small enterprises (defined as per Bangladesh Bank Prudential Regulations for Small Enterprise) involved in trading, manufacturing, service, agriculture, non-farm rural activities, agro-based industries, and many other acceptable sectors spread all over Bangladesh marketed through our branches or other mobile sales teams/ RO/ARM/RMs the country. The product offers term loan or single payment loan facility for the purpose of business expansion, working capital finance, fixed asset purchase, advance payments and agriculture production/trading.

Features
  • Loan Amount : Loan amount up to BDT 2.50 million.
  • Loan Term : Up to 36 months & 48 months for above BDT 1.5 million
  • Payment mode : Equal monthly installment in case of Term Finance
  • Security : No collateral is required.
Apply Now
Eligibility
  • Business experience : Minimum 2 years’ experience in the same line of business
  • Age : Minimum 21 years & maximum 60 years
Required Documents
  • Copy of updated Trade License
  • 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

Somporko
SME Finance for Start up Entrepreneur

LankaBangla Finance opens the door for young, dynamic & innovative entrepreneurs by introducing the product Somporko. SOMPOKO is a loan facility for Start Up businessman/member of I am SME of Bangladesh who is involved in Cottage, Micro & small enterprises (defined as per Bangladesh Bank Prudential Regulations) such as trading, manufacturing, service, agriculture, non-farm rural activities, agro-based industries, and many other acceptable sectors spread all over Bangladesh.

Eligibility
  • Business experience : Minimum 1 month
  • Age : Minimum 18 years & maximum 45 years
Apply Now
Features
  • Facility Type : Term Loan
  • Loan Amount: From 0.3 million to BDT 2.5 million
  • Loan Term : Up to BDT 1.5 million 36 months & above BDT 1.5 million 48 months
  • Security:From BDT 0.3 million to BDT 1.5 million no collateral is required but above BDT 1.5 million collateral is required
  • Equity:The new entrepreneur ought to bear at least 20% of the proposed project cost
  • Qualification:The entrepreneur should present a certificate of successfully completing entrepreneurship training from any institution(s)accredited by BB
  • Grace Period:3 months for manufacturing concern.
Required Documents
  • Copy of updated Trade License
  • Photographs of Applicant and guarantor(s)
  • Valid NID/Passport/Driving License of Applicant and Guarantor(s) Trade License ,E-TIN
  • Copy of Training certificate about Entrepreneurship
  • Copy of Utility bill
  • Rental deed copy

Bishwas
Partial secured SME Loan

Bishwas is designed for all types of enterprises who need instant financing for his/her smooth business operation. It is product which is partially secured (20%-30%) by T.D.R. (Term Deposit Receipt) and is kept as lien up to the tenure of the entire loan amount.

Required Documents
  • Copy of updated Trade License
  • 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
  • Land Documents (if applicable)
  • Additional permission license required for specific business (as applicable on case to case basis)
Apply Now
Features
  • Loan Amount : is minimum BDT 2.50 million to maximum BDT 10.0 million
  • Loan Type : Term Loan& Revolving Loan
  • Loan Term : EMI : 12 months-60 months
  • Security: Client must provide T.D.R. as lien against the proposed limit
Eligibility
  • Business experience : Minimum 3 years experience in the same line of business
  • Age : Minimum 21 years & maximum 60 years

Anonnya
Women Entrepreneur Installment Loan

In recent years, like other developing countries of the world, Bangladesh has been focusing attention on the most disadvantaged group in the society - the women. In Bangladesh, the women entrepreneurs, who have accepted the challenges of life and have emerged as leaders in the socio- economic development, earn for themselves and for their families or contributing towards the socio- political uplift of the women. In our country women lack assistance is in the access to credit, provision of skill training, and market facilities.

To support the Women Entrepreneurship in Bangladesh we had introduced the Product Anonnya which is Woman Entrepreneur SME installment loan. We are offering this product to different types of, Printing & packaging, Boutique house, Beauty Parlor, manufacturing concern and trading house etc.

Loans for women entrepreneurs are used for investments in machinery and equipment relating to an enterprise's business, for working capital requirements etc.

Features
  • Loan Amount : Loan amount up to BDT 5.0 million.
    1) Unsecured up to BDT 2.5 million 2) Partial secured/Fully secured above BDT 2.5 million
  • Loan Term : Up to 60 months
  • Interest : Lower rate of interest
  • Payment mode : Equal monthly installment in case of Term Loan
  • Advisory Services : We provide different types of Advisory services
  • Dedicated Desk : Each branch has dedicated Desk to support the product
  • Bank Reflection : Up to BDT 1.0 million Bank Reflection is not mandatory
Apply Now
Eligibility
  • Business experience : Minimum 1 year experience in the same line of business
  • Age : Minimum 21 years & maximum 60 years
  • Involvement : Must be actively involved in business
Required Documents
  • Copy of updated Trade License
  • 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
  • Land Documents (if applicable)

Ejara
SME Finance by Lease and Sale & Lease back facility

EJARA is a financing of lease & sale and lease back facility for small & medium enterprises (defined as per Bangladesh Bank Prudential Regulations) involved in Productions & services. The Product offers lease financing facilities for the purpose of Machinery, Escalator & Various Equipment for commercial/ business use under EMI. Under this product we provide 75% finance in case of new assets.

Features
  • Facility Type : Both lease finance & sale & lease back facility.
  • Loan Amount: Loan amount up to BDT 100.00 million.
  • Loan Term : Up to 60 months
  • Interest :Lower rate of interest.
  • Payment mode:Equal monthly installment.
Apply Now
Required Documents
  • Copy of updated Trade License
  • 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
  • Original quotation, Bill delivery chalan and money receipt
Eligibility
  • Business experience : Minimum 2 year experience in the same line of business
  • Age : Minimum 21 years & maximum 60 years

Durbar
Commercial Vehicle Finance

Now a day to run the business operation smoothly the dependency of Commercial Vehicle is increasing rapidly. According to need of commercial vehicle we launched our Product Durbar. Choose LankaBangla's commercial vehicle loans to get the best terms and interest rates.

Our Commercial Vehicle Loans are:

  • Range of products under one umbrella.
  • For trucks, buses, light commercial vehicles and small commercial vehicles.
  • Cargo, Prime Mover, Trailer, Tank Lorry, Dump Truck, Crane and other heavy commercial vehicle
  • Preferred financier status with all leading manufacturers/suppliers
  • Simple documentation processes.
  • Quick turnaround time.
  • Flexible financing solutions to meet individual requirements.
Apply Now
Features
  • Loan Amount : Loan amount from BDT 1.0 million to BDT 50.00 million.
  • Loan to Value : Loan up to 80% of the vehicle Price; For Brand new vehicle 90%
  • Loan Term : Up to 60 months
  • Payment mode : Equal monthly installment.
Required Documents
  • Copy of updated Trade License
  • Photographs of Applicant and guarantor(s)
  • Valid NID/Passport/Driving License of Applicant and Guarantor(s) Trade License, E-TIN
  • Bank statement submission is mandatory
  • Copy of Utility bill
  • Rental deed copy
  • Price Quotation from Vendor
  • Copy of joint registration
Eligibility
  • Business experience : Minimum 2 year experience in the same line of business
  • Age : Minimum 21 years & maximum 60 years

Astha
Fully Secured SME Loan

Astha Is A Fully Secured SME Product For Trading, Manufacturing & Service Sector Who Maintain A Smooth Cash Flow In Business Operation. You Can Enjoy This Product By Offering Land, Flat, Building, Etc As Collateral To Us.

For Small business:
BDT 1.50 million BDT - 30.00 million


For Medium business:
Above BDT 30.00 million BDT - 200.00 million

Features
  • Loan Amount : Loan amount is above BDT 1.50 mln lac to BDT 200.0 mln
  • Loan Type :Term Loan, Single Installment Loan & Revolving Loan
  • Loan Term :For NEMI- 3 months-12 months; EMI : 12 months-60 months & For Revolving -12 months
  • Payment mode :Equal monthly installment in case of Term Loan
  • Security :Client must provide either land, building, flat etc. as collateral
Apply Now
Eligibility
  • Business experience: Minimum 2 years experience in the same line of business
  • Age :Minimum 21 years & maximum 60 years
Required Documents
  • Copy of updated Trade License
  • 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
  • Land Documents

Swarnali
Agro Processing Industry Finance

Agro Processing Industries are developing rapidly in Bangladesh & it is creating a huge impact to develop the economy from the view of huge employment generation, Improve livelihoods of people, export diversification & GDP growth. Thus, realizing the importance of this sector LankaBangla Finance Limited now opens the door by launching the product "Swarnali" for financing the Agro Processing Industries all over the country.

The List of Agro-Based Product Industry :

  • Processed food from fruit (jam, jelly, juice, sauce, pickles etc);
  • Fruits (Tomato, mango, guava, jackfruit, litchi, coconut, sugarcane), vegetables and dal processing;
  • Production of biscuit, shemai, laccha, chanachur, noodles etc;
  • Production of flour, shuji etc;
  • Processing of mushroom and spirulina;
  • Production of starched product like glucose, dextrose, starch etc;
  • Industry of Milk processing and processed milk food (Powder milk, ice cream, condensed milk, sweet, cheese, butter, chocolate, curd, ghee etc);
  • Industry of Potato processed food (chips, potato flex, stirs etc);
  • Industry of spices (guramosola);
  • Industry of Refining and hydrogenation of edible oil;
  • Industry of salt processing;
  • Processing and freezing of Lobsters and other fishes;
  • Industry of herbal cosmetics manufacturing;
  • Industry of Unani, Ayurbedic and Homeopathy medicine production;
  • Industry of balanced food production for hens, ducks, cows and other pet animals;
  • Seed processing and preservation;
  • Manufacturing of jute products;
  • Manufacturing of silk clothes (reshom);
  • Installing and repairing of machineries used in agriculture;
  • Production of rice, crispy rice, chira, khoi, muri etc;
Apply Now
Required Documents
  • Copy of updated Trade License
  • 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
  • Land Documents (if applicable)
  • Additional permission license required for specific business (as applicable on case to case basis)
Features
  • Loan Amount up to BDT 50.00 million
  • Lower Interest rate
  • Purpose of the loan must be in fixed asset purchase, business renovation, construction, etc.
  • Out of Divisional & Narayangonj Pouro area
  • 100% refinance facility from BB against lending program
  • Fixed asset must be within BDT100.00 million (excluding land & building)
Eligibility
  • Business experience : Minimum 2 years experience in the same line of business
  • Age : Minimum 21 years & maximum 60 years
  • Project Location : Must be Outer of Divisional area & Narayangonj Pouro area

Abash
Finance for Construction,Renovation,Expansion

"Abash" is one of our Popular & attractive product. The product is mainly offering finance for construction, renovation, expansion or already have permanent structure of mess rent or residential, commercial Complex etc.

Eligibility
  • Business experience : Minimum 1 year experience in the same line of business supported by Trade License, Rental deed or rental receipt
  • Age : Minimum 21 years & maximum 60 years
  • Loan Amount : Loan amount up to BDT 10.0 million.(Unsecured up to BDT 1.5 million)
  • Income : Minimum BDT 30,000/- per month (Including other source of income)
Apply Now
Features
  • Loan Term :For unsecured Up to 36 months& secured 60 months
  • Interest : Lower rate of interest
  • Payment mode : Equal monthly installment
  • Bank Statement : Not Mandatory
Required Documents
  • Copy of updated Trade License
  • 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
  • Land Documents in case of Mortgage Property

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 0.3mln to BDT 30.00 mln
  • Medium Enterprise - From above BDT 30.0 mln to BDT 200.00 mln
Particulars 2021 2020
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 Limited(CRAB)
Based on audited financial statements up to December 31, 2020, unaudited financial statements as of March 31, 2021 and other relevant quantitative as well as qualitative information up to the date of rating declaration (July 19, 2021)
Valid up to June 30, 2022