Key Product Features

Interest Rate (Unsecured) 16.00
Interest Rate (Secured) 13.00
Interest Rate (Cash) 11.00
Interest Rate (Woman) 10.00
Interest Rate Additional Info Interest Rate For Loan Against FDR: FDR rate + 3%(own bank), FDR rate + 4%(other bank), or 11% whichever is higher. 13% interest rate for farmers.
Min. financing Amount N/A
Max. financing Amount 90% of the security
Min. loan tenure 3 year
Max. loan tenure 60 year
Islamic / Conventional Conventional
Approval duration N/A

Fees and Charges

One time set-up Penalties
Processing fee
Maximum 1% (No processing fee for women entrepreneurs and agro-based finance)

Stamp duty
Early Settlement

Late Payment Charges
Maximum 4%


Age requirement
Age 21 - 65

Other Information

Maximum 90% of FDR amount would be financed.


  1. What will it cost you and how will you be charged?
    EBL SME Loan will charge for Surveyor and Legal fee to process this loan.
  2. How long will the application take and what documentations are required?
    EBL SME Loan requires the following paper to be approved for getting this loan : 1. Update license. 2. Current bank account in the name of the business organization. 3. National identity card / passport photocopy. 4. Minimum of 6 months to 3 years, the bank reports. 5. Shop / house rental agreement/ location document. Other papers (depending on type and size of business): 1. Taxpayer identification certificate (TIN) 2. List of active stock and its current value. 3. List and value of fixed assets. 4. The total amount of debt and over-statement 5. Details of official statements of debt (if any) 6. Value Added Tax (VAT) certificate (if applicable). 7. Paid business electricity bills. 8. Paid business telephone bills. 9. Employee name, last name and a list of monthly wages (payroll). 10. Bangladesh Bank IOI report.
  3. Advantages
    1. No need of any collateral in some cases. 2. Offering loan for Working Capital, Purchase of Fixed Assets & Other business purposes. 3. No processing fee. 4. Interest will be charged only for used loan amount.