Smart SME/Saral Byapar Karja

Facility Type
- Revolving
- Demand Loan
- Term Loan
- Short Term Loan
Loan Limit
- Minimum: NPR 2.5 Million
- Maximum: Up to NPR 5 Million
Tenure
- Revolving (Overdraft): 1 year on renewal basis
- Demand Loan: Up to 1 year payable on revolving basis
- Term Loan:
  - Capex Financing: Up to 15 Years
  - Core Working Capital Financing: Up to 10 Years
- Short Term Loan:
  - Maximum 120 days or working capital cycle, whichever is lower
  - Payable on maturity
LTV
- 80% of FMV of real estate collateral
Repayment
- EMI or EQI as per the necessity
Eligibility & Requirements
- Business registration elapsed at least 6 months from registration date
- Debt Equity Ratio as mandated by NRB i.e. 80:20
- PAN is compulsory if loan limit (Individual/Group) exceeds NPR 25 Lacs

Loan Application
Audited and 3 years projected financial statement. ( For Term Loan- up to tenure financial is required
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 an).
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.