SME LOAN



EBL Asha


  • Any business purpose loan from Tk.2,00,000 to Tk.15,00,000 (Repeat loan from Tk.2,00,000 to Tk.15,00,000)    
  • Loan repayable in equal monthly installment    
  • Repayable within 3 to 36 months (Repeat loan repayable within 48 months)  

Eligibility:

  • Any sole proprietorship, partnership or private limited companies having minimum 2 years of successful business operation    
  • Monthly cash flow to support the proposed loan installment    
  • Another 2 personal guarantee

Repayment:

  • Monthly installment
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EBL Agrim


  • Loan to meet-up seasonal demand
  • Loan facility minimum Tk.200,000 – maximum Tk.950,000    
  • No collateral security required
  • Loan tenure 4 month to 6 months
     
  • Partial payment and early payment allowed- no additional fee required

Eligibility:

  • Any enterprise with one & half years business experience in same or relevant field    
  • Business cash flow to support the proposed loan in one shot    
  • Necessary documents of business    
  • Bank account in the name of the enterprise or entrepreneurs    
  • Personal guarantee required

Repayment:

  • Single shot payment at maturity but interest will be realized on monthly basis
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EBL Mukti


  • Credit facility from BDT 5 lac to BDT 50 Lac for women entrepreneurs or women lead business
  • No collateral security required
  • Interest Rate is 10% p.a.    
  • Repayable in 6-60 months

Eligibility:

  • Business Cash Flow to support repayment
  • For loan up to BDT 15 Lac length of business should be 1 year, for loan from BDT 15-25 Lacs length of business should be 2 years and for loan from BDT 25-50 Lacs length of business should be 3 years.

Repayment:

  • Monthly installment
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EBL Nobodoy


  • Loan for agro based industries    
  • Loan amount minimum Tk.2,00,000 - maximum Tk.1,00,00,000    
  • Interest Rate10% p.a.    
  • Repayable within maximum 60 months.
  • No security required up to 10 lac but 50% of the loan amount in the form of FD is needed for any amount over 10 lac

Eligibility:

  • Any agro processing business having 2 years of successful business operation in the same line of business    
  • Bank account in the name of the proprietor or his institution    
  • Two guarantors required    
  • Business cash flow must support to the proposed loan amount.

Repayment:

  • Monthly Installment

For details, please contact nearest EBL Branch or SME Center or the following Relationship Officer. 

* Conditions apply

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EBL Udoy


  • Loan for Leather Goods producer
  • Loan amount from Tk1.00 lac to 10.00 lac    
  • Interest rate is 9% per annum    
  • Loan tenor form 6 months to 36 months
  • No Collateral required

Eligibility:

  • Any sole proprietorship or partnership firm having 1 year of successful business operation (preferred)    
  • Bank account in the name of the proprietor or his institution    
  • Two guarantors required    
  • Business cash flow must support to the proposed loan amount.

Repayment:

  • Monthly installment

For details, please contact nearest EBL Branch or SME Center or the following Relationship Officer. 

* Conditions apply

Apply now
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EBL Krishi Rin


  • Loan for Individual Farmers/Share Cropper who are directly engaged in crop cultivation    
  • Loan Limit Minimum Tk.10,000 and Maximum Tk.1,50,000
  • Loan may be given for one time or revolving basis
  • No collateral required
  • No loan processing fee

Eligibility:

  • Any individual Bangladeshi farmer/share cropper having minimum 1 year experience in farming    
  • Loan will be extended to the owners up to 15 bighas cultivable land /7.5 bighas for potato & sugarcane cultivation

Repayment:

  • Repayment depends on harvesting of the crops    
  • Repayment tenor minimum 3 months and maximum 12 months
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EBL UTKORSHO


  • Collateral free loan fromTk.20,00,000 to Tk.2,00,00,000    
  • Terminating loan facility (EMI based)    
  • For BDT less than 1 Crore – max. 4 years and BDT 1 crore and above - max. 5 years.
  • Loan for working capital, fixed assets purchase and other business purposes
     

Eligibility:

  • Any successful enterprise minimum 5 years in same or relevant business    
  • Relevant permission from the appropriate authority to run the business    
  • Business income to support the proposed loan installment    
  • Minimum Tk.6,00,00,000 Annual Sales Turnover    
  • 100% Bank Reflection of Sales Turnover

Repayment:

  • Easy Monthly instalments by 12-60 months
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EBL Utpadon


  • Bundle loan for any productive business enterprises    
  • Loan amount from Tk.5,00,000 to Tk.3,00,00,000    
  • Combination of Term Loan and Overdraft    
  • Medium Term Loan for 2-5 years (including 1 year grace period)    
  • Long Term Loan for 5-8 years (including 2 years grace period)    
  • Appropriate Working Capital for 1 year (Annually renewable up to 5 years)    
  • Competitive Interest Rate    
  • Flexibility in loan usage, interest would be charged on utilization amount only
     

Eligibility:

  • Any sole proprietorship, partnership or limited companies having minimum 2 years of successful business operation    
  • Minimum 30% equity participation by owner(s) of the business    
  • Collateral security required along with charge on business assets    
  • Business cash flow must support to the proposed loan amount
     

Repayment:

  • Term Loan is repayable by Equal Monthly Installment    
  • Regular transaction in OD account and quarterly interest will be served immediately after quarter end
     
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EBL Projukti


  • Loan for Individual Farmers for purchasing Agricultural Machinery    
  • Loan Limit Minimum Tk.10,000 and Maximum Tk.1,50,000    
  • Competitive Interest Rate    
  • No collateral required

Eligibility:

  • Any individual Bangladeshi farmer having minimum 1 year experience in farming    
  • Up to loan BDT 1,50,000 less than 3 (three) acres land owner may apply and above BDT 1,50,000 minimum 3 (three) acres of own cultivable land is required.

Repayment:

  • Monthly Instalment    
  • Repayment EMI basis within 3-24 months
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EBL E-Cash/Loan


  • Cash Collateral backed Overdraft/Term Loan    
  • Loan amount from Tk.50,000 to Tk.10,00,00,000    
  • E-Cash: Revolving facility for 1 year
  • Interest Rate: FD Rate+3% but minimum 12% p.a.
  • Flexibility in loan usage, interest would be charged on utilization amount only

Eligibility:

  • Any sole proprietorship, partnership or limited companies having minimum 2 years of successful business operation  
  • Maximum 95% of Present Value of FD
     

Repayment:

  • Term Loan is repayable by Equal Monthly Installment    
  • Regular transaction in OD account and quarterly interest will be served immediately after quarter end
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EBL Invoice Factoring


  • Receivable financing through invoice discounting    
  • Limit amount maximum BDT 5 crore    
  • Interest rate 13% per annum or as determined by bank’s ALCO time to time
  • Accepted invoice from list of buyers/debtors including EBL's Corporate Clients, MNCs, Multilateral Agencies, Banks, NBFIs Insurance Companies, NGOs
     

Eligibility:

  • Any legitimate business with two years business in the same line or relevant business    
  • Primarily assignment of accepted invoice/receivables    
  • Factoring Agreement with EBL
     

Repayment:

  • Over 30 days but not exceeding 120 days
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EBL Bannijyo


  • Credit facility up to BDT 35,000,000 to any legitimate import business    
  • Nil margin LC facility    
  • No requirement of land/building mortgage    
  • Post import facility up to 6 months
  • 30% of total limit in the form of FD as collateral request
  • Over Draft facility to support day to day general expenses

Eligibility:

  • Any legitimate business with three years of operation and at least one year experience in import business    
  • Necessary import related documents
  • Business cash flow to support repayment

Repayment:

  • Monthly installment
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EBL Green Credit


  • Opportunities to save energy or implement renewable energy    
  • Evaluate appropriateness of technological solutions    
  • Assess the technical feasibility and economic viability of potential projects
  • Link up with vendors and energy service providores
  • Provide financing and mobilize funds for investment

Eligibility:

  • Steal Re-rolling, Light Engineering, Pulp and Paper, Cement, Poultry, Textile, Readymade Garments, Chemicals, Plastics, Food and Beverage and Others.    
  • Technologies and areas of intervention of these sectors with energy efficient motors.    
  • Waste heat recovery and Co-generation    
  • Renewable energy consisting of solar thermal and solar PV applications,    
  • Biomass gasification    
  • Use of biogas to generate electricity and/or system

Repayment:

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EBL CASH CREDIT


  • Any legal business purpose for working capital
  • Loan amount from BDT 3,000,000 to BDT 50,000,000
  • 100% Cash Credit (OD)
  • Revolving facility for 1 year
  • Collateral security required along with charge on business assets
  • Interest would be charged on utilization amount only

Eligibility:

  • Any sole proprietorship, partnership or limited companies having minimum 5 years of successful operation in same line of business
  • Business cash flow must support the proposed loan amount.

Repayment:

  • Regular transaction in OD account and quarterly interest will be served immediately after quarter end.

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EBL UDDIPAN


  • For purchasing, constructing, renovating, face uplifting commercial space and developing /constructing worker shed/house for rental purposes or own uses for office, factory, showroom, go-down etc.
  • Loan amount from BDT 1,000,000 to BDT 150,000,000
  • Loan tenor 12 -120 months
  • Terminating loan facility ( EMI based)
  • Grace period facility available
  • Registered mortgage on land and/ or Building as collateral security

Eligibility:

  • Trade license is mandatory
  • Business experience should be minimum 3 years if financing is required for purchase/construction of office, factory, go-down etc.
  • Relevant permission from appropriate authorities to run the business
  • Business income must support the proposed loan installment

Repayment:

  • Equal Monthly installments by 12-120 months.

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EBL BUSINESS SOLUTION


  • Any legal business purpose or expansion of business
  • Loan amount from BDT 1,000,000 to BDT 50,000,000
  • Loan Tenor up to 60 months
  • Terminating loan facility ( EMI based)
  • Registered mortgage on land and/ or Building as collateral security

Eligibility:

  • Any sole proprietorship, partnership or limited companies having minimum 5 years of successful operation in same line of business
  • Minimum 3 years in same line of business for loan amount up to BDT 2 crore. For loan amount above BDT 2 Crore minimum 4 years’ experience is required.
  • Business income must support the proposed loan installment

Repayment:

  • Payment by Equal Monthly Installments.
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