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    Kamana Sewa Bikash Bank has created unique solutions with affordable prices in an effort to satisfy the financial needs and requirements of small and mid-sized businesses. To meet their short-term and long-term financing needs, industrial/manufacturing units, retail/wholesale trading units, and various service sectors, including education, health, hotels & restaurants, construction and contractors, travel & tours,transportation, automobiles, agriculture, and other private businesses, etc., can all take advantage of various facilities (funded and non-funded).


    • Facilities Type: Overdraft Loan/ Term Loan/ Demand Loan/CAPEX and Short Term Loan.
    • Loan Amount: Above Rs 5 Million to Rs 10 Million.
    • LTV: Up to 80% of FMV.
    • 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.

    Required Documents

    • Loan Application
    • Audited and 3 years of 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 involve in other company details of the company.
    • List of major Suppliers/ Buyers.
    • Main products of the unit/ Firm/ Industry/ Company