Small Business Loan

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: For Capex Financing -15 years and core Working Capital loan up to 10 years.

  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.

  Business Registration elapsed at least months from registration date.

  Debt Equity Ratio as mandated by NRB i.e. 80:20.

  PAN is compulsory if loan limit (Individual/Group) more than 25 lacs.

• 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