SME BANKING

SME/Agri Banking

SME Banking Agri Banking
1. SBL Babbosha Shachal 1. Standard Rupali Mach
2. SBL Babbosha Unnayon 2. Standard Amish
3. SBL Babbosha Shommriddhi 3. Standard Sonali Fasal (Crops)
4. SBL Karma Uddogh 4. Standard Krishi Jantra Prokolpa
5. SBL Moushumi Rin 5. Standard Sudin
6. SBL Nari Anuprerona- Women Entrepreneurs' Loan 6. Standard Priority Crops

  • SME Banking
    • Nowadays, the term 'SME' is much more voiced in Bangladesh that before, and the issue of sustainable growth of SMEs is at the center of the country's most national development strategies and economic plans. It has become one of the fundamental elements to reduce poverty, and improve other social indicators- with the aim of attaining Millennium Development Goals (MDGs) by 2015, and also accomplishing other Bangladesh Development Goals (BDGs). Besides, Women's participation in micro-credit programs and the ready-made garments industry bear testimony to the fact that, their involvement in the SME business can contribute significantly to the country's industrialization.

      To support Small & Medium Enterprises, Standard Bank Limited has widened its network up to the rural frontiers with a country-wide reach of Branches, SME & Business Centers, Alternative Delivery Channels (ADC) and so on.

      SME definition Bangladesh Bank
      New definition of SMEs on the basis of business size:
      Business Segment Sector Business Size (Tk.) Fixed Asset other than Land & Building Employed Manpower (Not above)
      Cottage Enterprise Manufacturing (Predominant Family Labour) Up to 500,000 10>
      Micro Enterprise
    • » Manufacturing
    • » Service
    • » Trade
    • » 500,000 - 5,000,000
    • » Less than 500,000
    • » Less than 500,000
    • » 10 - 24

    • » 10
    • » 10
    • Small Enterprise
    • » Manufacturing
    • » Service
    • » Trade
    • » 5,000,000 - 100,000,000
    • » 500,000 - 10,000,000
    • » 500,000 - 10,000,000
    • » 25 - 99
    • » 10 - 25
    • » 10 - 25
    • Medium Enterprise
    • Manufacturing
    • Service
    • Trade
    • 100,000,000 - 300,000,000
    • 10,000,000 - 150,000,000
    • 10,000,000 - 150,000,000
    • 100 - 250
    • 50 - 100
    • 50 - 100
  • SBL Babbosha Shachal (Working Capital Finance)
    • The loan facility in terms of Working Capital to meet cash requirement to ensure smooth day to day business operation for Small and Medium Enterprises (SMEs) involved in Manufacturing/Trading/Services.
      Key Features:
      1. Any justifiable working capital need for small and medium enterprise customers.
      2. Facility Type -Continuous Loan, LC (Signt/DP) and
      3. Loan Ceiling - Tk. 2.00 Lac to Tk. 50.00 Lac for cottage/micro/small enterprise customers and Tk. 2.00 Lac to Tk. 300.00 Lac for medium enterprise customers.
      4. Loan Tenure - Continuous Loan for maximum 12 months and LC(Sight/DP)/LTR for prescribed tenure.
      5. Nil margin LC facility.
      6. Nominal Interest Rate.
      Eligibility:
      1. Age: At least 21 years.
      2. Any entrepreneur having the experience of successfully managing the business for at least two years may apply for the loan.
      Required Documents:
      1. Valid trade license
      2. Special license/permission (if applicable) for business operation.
      3. Notarized partnership deed/registered by Sub Register Officer (in case of partnership).
      4. Memorandum and Articles of Association in case of Limited Company.
      5. Passport/National voter ID/ward commissioner/UP chairman certificate of the Proprietor/Partner/Directors.
      6. Photo of the proprietor/Partners and guarantors.
      7. Statement of all active bank loans (if any).
      8. Last 12 months bank statement of transactional account.
      Security Arrangement:
        Primary Security:
      1. Hypothecation of machineries, equipment, vehicles, inventories.
      2. Personal guarantee of Proprietor/Partner/Directors and their spouse.
      3. 02(two) 3rd party Guarantors acceptable to the Bank and whose Net Worth must not be less than the proposed Loan amount/Loan limit.
      4. Lien of cash collateral (FDR) and other encashable financial instrument.
      Collateral (not compulsory for credit facility up to Tk. 5.00 Lac):
      1. Registered mortgage of property/ownership of the space/possession right purchased in Bank's name.
  • SBL Babbosha Unnayon (Unsecured-up to BDT 5.00 Lac)
    • "SBL Babbosha Unnayon" is Collateral Free SME loan facility to augment capital base for business expansion, purchase of new business space or expansion of existing outlets and capital machineries and also to purchase light or heavy vehicles for business use.
      1. Loan facility for business expansion, purchase of new business space or expansion of existing outlets and capital machineries and also to purchase light or heavy vehicles for business use.
      2. Facility Type – Term Loan/ Continuous Loan.
      3. Loan Ceiling – 70% of total cash requirement [100% in case of cash collateral (FDR)/enchashable instrument] but not exceeding Tk. 5.00 Lac.
      4. Loan Tenure – Maximum 36 months for Term Loan and grace period may be allowed maximum 6 months; Maximum 36 months for Continuous Loan
      5. Nominal Interest Rate.
      Eligibility:
      1. Age: At least 21 years.
      2. Any entrepreneur having the experience of successfully managing the business for at least two years may apply for the loan.
      Required Documents:
      1. Valid trade license.
      2. Special license/permission (if applicable) for business operation.
      3. Notarized partnership deed/registered by Sub Register Officer (in case of partnership).
      4. Memorandum and Articles of Association in case of Limited Company.
      5. Passport/National voter ID/ward commissioner/UP chairman certificate of the Proprietor/Partner/Directors.
      6. Photo of the proprietor/Partners and guarantors.
      7. Statement of all active bank loans (if any).
      8. Last 12 months bank statement of transactional account.
      Security Arrangement:
        Primary Security:
      1. Hypothecation of machineries, equipment, vehicles, inventories.
      2. Personal guarantee of Proprietor/Partner/Directors and their spouse.
      3. 02(two) 3rd party Guarantors whose Net Worth must not be less than the proposed Loan amount/Loan limit.
      4. Lien of cash collateral (FDR) and other encashable financial instrument (in any)
  • SBL Babbosha Shommriddhi (Secured-above BDT 5.00 Lac)
    • "SBL Babbosha Shommriddhi" is SME loan facility with Collateral to augment capital base for business expansion, purchase of new business space or expansion of existing outlets and capital machineries and also to purchase light or heavy vehicles for business use.
      Key Features:
      1. Loan facility for business expansion, purchase of new business space or expansion of existing outlets and capital machineries and also to purchase light or heavy vehicles for business use.
      2. Facility Type – Term Loan/ Continuous Loan
      3. Loan Ceiling – 70% of total cash requirement [100% in case of cash collateral (FDR)/enchashable instrument]
      4. Loan Tenure – Maximum 36 months for Term Loan and grace period may be allowed maximum 6 months; Maximum 36 months for Continuous Loan .
      5. Nominal Interest Rate.
      Eligibility:
      1. Age: At least 21 years.
      2. Any Small and Medium sector enterprise (Proprietorship/ Partnership/ Private Limited company) having the experience of successfully managing the business for at least 2 (two) years may apply for the loan.
      Required Documents:
      1. Valid trade license.
      2. Special license/permission (if applicable) for business operation.
      3. Notarized partnership deed/registered by Sub Register Officer (in case of partnership).
      4. Memorandum and Articles of Association in case of Limited Company.
      5. Passport/National voter ID/ward commissioner/UP chairman certificate of the Proprietor/Partner/Directors.
      6. Photo of the proprietor/Partners and guarantors.
      7. Statement of all active bank loans (if any).
      8. Last 12 months bank statement of transactional account.
      Security Arrangement:
        Primary Security:
      1. Hypothecation of machineries, equipment, vehicles, inventories.
      2. Personal guarantee of Proprietor/Partner/Directors and their spouse.
      3. 02(two) 3rd party Guarantors whose Net Worth must not be less than the proposed Loan amount/Loan limit.
      4. Lien of cash collateral (FDR) and other encashable financial instrument (in any)
      Collateral:
      1. Registered mortgage of property/ownership of the space/possession right purchased in Bank’s name.
  • SBL Moushumi Rin (Seasonal Loan)
    • "SBL Moushumi Rin" is SME loan facility with/without Collateral to create additional opportunities during different festivals and seasonal events (i.e. Eids, Pujas, Chistmas, Bengali and English New Year, etc.) for SME business to organize special business arrangement to increase sales turnover and profit.
      Key Features:
      1. To meet the cash requirement as short term financing on occasional events for special business arrangement to increase sales turnover and profit.
      2. Facility Type – Short Term Loan
      3. Loan Ceiling – Tk. 2.00 Lac to Tk. 20.00 Lac
      4. Loan Tenure – Maximum 06 months (no grace period is allowed).
      5. Nominal Interest Rate.
      Eligibility:
      1. Age: At least 21 years.
      2. Any entrepreneur having the experience of successfully managing the business for at least two years may apply for the loan.
      Required Documents:
      1. Valid trade license
      2. Special license/permission (if applicable) for business operation.
      3. Notarized partnership deed/registered by Sub Register Officer (in case of partnership).
      4. Memorandum and Articles of Association in case of Limited Company.
      5. Passport/National voter ID/ward commissioner/UP chairman certificate of the Proprietor/Partner/Directors.
      6. Photo of the proprietor/Partners and guarantors.
      7. Statement of all active bank loans (if any).
      8. Last 12 months bank statement of transactional account.
      Security Arrangement:
        Primary Security:
      1. Hypothecation of machineries, equipment, vehicles, inventories.
      2. Personal guarantee of Proprietor/Partner/Directors and their spouse.
      3. 02(two) 3rd party Guarantors whose Net Worth must not be less than the proposed Loan amount/Loan limit.
      4. Collateral (not compulsory for credit facility up to Tk. 5.00 Lac):
      5. Registered mortgage of property/ownership of the space/possession right purchased in Bank’s name.
      6. Lien of cash collateral (FDR) and other encashable financial instrument (in any)
  • SBL Karma Uddogh
    • To contribute in public and private developmental project, SBL offers "SBL Karma Uddogh" loan facility with/without collateral to Sole Proprietorship Firms, Partnership Firms, and Private Limited Companies under SME business to meet revolving cash requirement for completion of the project.
      Key Features:
      1. To meet revolving cash requirement for completion of public and private developmental project against particular development project (Commercial)/work order/assignment offered by Govt. and semi-govt. organization.
      2. Facility Type – Continuous Loan [SOD(general)/SOD(WO)/SOD(FO)] and Term Loan.
      3. Loan Ceiling – Tk. 0.50 Lac to Tk. 20.00 Lac.
      4. Loan Tenure – Maximum 12 months with renewal option for Continuous Loan and Maximum 60 months for Term Loan.
      5. Nominal Interest Rate.
      Eligibility:
      1. Age: At least 21 years.
      2. Any Small and Medium sector enterprise (Proprietorship/ Partnership/ Private Limited company) having the experience of successfully completion of different projects for at least 2 (two) years may apply for the loan.
      Required Documents:
      1. Valid trade license
      2. Special license/permission (if applicable) for business operation.
      3. Notarized partnership deed/registered by Sub Register Officer (in case of partnership).
      4. Memorandum and Articles of Association in case of Limited Company.
      5. Passport/National voter ID/ward commissioner/UP chairman certificate of the Proprietor/Partner/Directors.
      6. Photo of the proprietor/Partners and guarantors.
      7. Statement of all active bank loans (if any).
      8. Last 12 months bank statement of transactional account.
      Security Arrangement:
        Primary Security:
      1. Letter of Acceptance of Assignment by the work giving authority ( for work order).
      2. Personal guarantee of Proprietor/Partner/Directors and their spouse.
      3. 02(two) 3rd party Guarantors whose Net Worth must not be less than the proposed Loan amount/Loan limit.
      4. Collateral (not compulsory for credit facility up to Tk. 5.00 Lac):
      5. Registered mortgage of property/ownership of the space/possession right purchased in Bank’s name.
      6. Lien of cash collateral (FDR) and other encashable financial instrument (in any)
  • SBL Nari Anuprerona- Women Entrepreneurs Loan
    • As an encouraging gesture, SBL offers “SBL Nari Anuprerona-Women Entrepreneurs’ Loan” with/without collateral to Sole Proprietorship/ Partnership/ Private Limited company (at least 51% shares to be hold) operated by women entrepreneurs to flourish their business.
      Key Features:
      1. Any justifiable business purpose for Sole Proprietorship/ Partnership/ Private Limited company (at least 51% shares to be hold) operated by women entrepreneur.
      2. Facility Type – Continuous Loan/Term Loan
      3. Loan Ceiling – Tk. 0.50 Lac to Tk. 50.00 Lac
      4. Loan Tenure – Maximum 12 months with renewal option for Continuous Loan and Maximum 60 months for Term Loan.
      5. Interest Rate- 10.00% p.a.
      Eligibility:
      1. Age: At least 21 years.
      2. Any entrepreneur having the experience of successfully managing the business for at least two years may apply for the loan.
      Required Documents:
      1. Valid trade license
      2. Special license/permission (if applicable) for business operation.
      3. Notarized partnership deed/registered by Sub Register Officer (in case of partnership).
      4. Memorandum and Articles of Association in case of Limited Company.
      5. Passport/National voter ID/ward commissioner/UP chairman certificate of the Proprietor/Partner/Directors.
      6. Photo of the proprietor/Partners and guarantors.
      7. Statement of all active bank loans (if any).
      8. Last 12 months bank statement of transactional account.
      Security Arrangement:
        Primary Security:
      1. Hypothecation of machineries, equipment, vehicles, inventories.
      2. Personal guarantee of Proprietor/Partner/Directors and their spouse.
      3. 02(two) 3rd party Guarantors whose Net Worth must not be less than the proposed Loan amount/Loan limit.
      4. Collateral (not compulsory for credit facility up to Tk. 25.00 Lac):
      5. Registered mortgage of property/ownership of the space/possession right purchased in Bank’s name.
      6. Lien of cash collateral (FDR) and other encashable financial instrument (in any)
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