1. Purpose:
   1. To meet up working capital requirement and/ or
   2. To acquire fixed assets to set up business units/industries/ expansion of existing business – repair & renovation, and/ or expansion of commercial property for rental purpose.
2. Facility Type: Term Loan, Time Loan, Single Installment Loan (SIL).
3. Loan Tenor:
4. For Term Loan: 12-60 months
5. For Time Loan/Single Installment Loan: 03-12 Month.
6. Loan Amount Minimum BDT 05.00 Lac, Maximum BDT 50.00 Lac.
7. Interest Rate: As advised by Head Office from time to time.
8. Margin: 10%-20% of disbursed amount to be kept as Mandatory Deposit depending on banker’s customer’s relation relationship.
9. Security/ Collateral:
   1. No collateral.
   2. 10%-20% of disbursed amount to be kept as Security.
   3. Hypothecation of Stock, Receivable, Machineries, etc.
   4. Personal & Spouse Guarantee.
   5. 3rd Party Guarantee.
   6. Post/Undated cheque.
   7. Insurance Coverage (if required).
10. Guarantor: Minimum 02 Guarantors are required:
    1. Family/First Party Guarantor
    2. Strong 3rd Party Guarantor.

Qualification:

1. Business Owner with existing secured loan facility, with or without high CIB implications.
2. Landlord of proposed business premises/ Go-down / Factory.
3. Prominent Business Owner/landlord of surrounding market or locality.
4. Gov’t Service holder.
5. Bank employee or Service Holder with required net worth.
6. Respectable/Influential person who has the ability to persuade customer.
7. Any other person that seems appropriate by business & credit.
8. 3rd party guarantor must have personal Assets and minimum Net worth must be 120% of proposed proposal limit.