Overview
Product
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Business Loan up to 50 million for Existing (having audited financial or management prepared financial as applicable of at least 1 year) or New Business.
Purpose
To finance working capital, capital expenditure requirements including refinance of equity and Trade based facilities
Loan Limit
Above NPR 20 Million to maximum up to NPR 50 Million to the single borrower/units/group
Facility/Product Type
Funded/Non-Funded facilities (within funded facility)
Following Funded Facilities shall be provided:
a) Cash Credit
b) Short Term Loan
c) Working Capital Term Loan (for permanent working capital need)
d) Ad-hoc STL (for seasonal working capital)
e) Import/Export based Loan (TR/STL/Packing Credit etc.)
f) Fixed Term Loan (For CAPEX Financing only)
Loan Tenure
Revolving facilities: Maximum of one year
Term Loan: Permanent Working Capital/Core Working Capital Financing: 3 to 10 Years
Interest Rate
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Fees and Charges
As per Bank’s STC
Loan to Value (LTV)
Maximum up to 80% (*) of Fair Market Value (FMV) of Real Estate Collateral subject to type of collateral, age and nature of business
*Condition applied
