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.
OUR SME
SERVICES
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.
- Business experience : Minimum 2 years’ experience in the same line of business
- Age : Minimum 21 years & maximum 60 years
- 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 IamSMEofBangladesh 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
- 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.
- 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)
- 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
- 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
- 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
- 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.
- 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
- 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.
- 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.
- 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
- Business experience : Minimum 2 year experience in the same line of business
- Age : Minimum 21 years & maximum 60 years
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
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Limits offered: starting from BDT...
Our
Segment
Small Enterprise -Loan amount from BDT...
- 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).
- 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.
- 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
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