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    Business loan product is promoted for financing the requirement of business more than NPR 30 Million. The primary target group would be businesses involved in manufacturing, trading & services sectors.


    • To finance the working capital, capital expenditure requirements including refinancing of equity, project financing, consortium loan and any other business requirement.


    • Facilities Type: Overdraft Loan/ Term Loan/ Demand Loan/CAPEX and Short Term Loan.
    • Loan Amount: Above Rs 30 Million.
    • LTV: Up to 85% of FMV of real estate collateral.
    • Tenure: 15 years (Core Working Capital & Fixed Assets).
    • Overdraft: 1 year revolving basis.
    • Demand Loan: 1 year payable on maturity.
    • Short Term Loan: Max 120 days or working capital cycle whichever is lower.
    • Capital Expenditure Financing:
      • Maximum up to 80% of cost of assets as per tax invoice-In case of New Assets Financing
      • Maximum up to 80% of book value * as per latest audit/provisional report.

    Required Documents

    • Loan Application
    • Audited and 3 years projected Financial Report.
    • Copy of Firm/ PAN/ VAT Registration Certificate, Partnership Deed, Latest Tax Clearance Certificate.
    • MOA/ AOA (If Any).
    • Company’s Profile
    • Board Resolution for opening A/C, Availing Loan, Delegation of Authority (If any).
    • Copy of citizenship and 1 copy of PP size photograph of all directors.
    • Project Proposal (If any).
    • Profile (Biodata) of the Directors/ Shareholders.
    • Documents related to fixed assets security (i.e. Lal Purja, Tiro Rashid, etc).
    • Bank Statement.
    • Detail report of Stocks, Account Receivables, Account Payables, Goods in Transit, Sales, Purchase etc.
    • If Directors/ Shareholders are involved in other company details of the company.
    • List of major Suppliers/ Buyers.
    • Main products of the unit/ Firm/ Industry/ Company