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SME FINANCING

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OVERVIEW

With a vision to take banking solutions to the ‘unbanked’ small and medium enterprises (SME) BRAC Bank Limited, commenced its journey as a scheduled commercial bank in 2001. Taking inspiration from its parent organization, BRAC, the world’s largest NGO, BRAC Bank introduced small ticket loans to bring the grassroots entrepreneurs under the umbrella of formal banking. World Bank Group’s IFC and Netherlands-based FMO are major partners of BRAC Bank in offshore banking and SME financing. BRAC Bank is the only active member of Global Banking Alliance for Banking on Values (GABV) from Bangladesh, an international platform for sustainable and responsible banking practices. Governance, compliance, ethics, transparency and accountability are the cornerstones of the bank’s banking model. Today, BRAC Bank is the first Bangladeshi bank that has crossed USD 1 billion market capitalization. The banking model of BRAC Bank is firmly built on three steadfast pillars of People-Planet-Profit. Our business operation is thoroughly aligned with the Sustainable Development Goals, an ambition that is also our national priority. BRAC Bank’s unique SME Banking services and products provide access to finance to the cottage, micro and small enterprises that were previously left out from the traditional commercial banking system. We have the highest rural penetration with 75% of our total Small Business loans going to the rural areas. BRAC Bank is the largest financier of collateral free loan in the country with 50% market share in this segment. Impact Measurement Study on SME financing revealed that the bank had created more than 1.5 million new employments in the course of its Small Business Financing and played a pivotal role to the improvement of the standard of living of the borrowers. Since its inception in 2001, the bank has disbursed more than USD 5 billion to more than 650,000 SME entrepreneurs across the country and has contributed significantly, to the socio economic development of Bangladesh.


As Bangladesh graduates to a developing country, BRAC Bank’s Women’s Banking Solutions, TARA, aims play a significant role in bringing women into the mainstream financial system. TARA already has 2,900 women SME business customers and more than 200,000 deposit customers. BRAC Bank’s subsidiary, bKash Limited, takes financial services to 30 million people providing money transfer, transactional and micro-saving services with its presence in each and every village of the country As a values-based bank, our investment propositions are steered in consideration with the impacts of our footprint in the community, environment as well as on the well-being of the surrounding. As a result, we strongly advocate gender parity, financial inclusion, environment-friendly investment/services, women empowerment through diverse networks. These values are intricately embedded into the DNA of our operations. Not only do we facilitate and promote sustainability but we also discourage financing business activities that pose a significant threat to the environment and society as a whole. Which is why we have no appetite for industries such as shipbuilding, tobacco and environmentally harmful business like tanneries and brick manufacturing sector.

Loan products

UNSECURED LOAN

ANONNO

What is ANONNO SME loan?
Anonno SME loan is an unsecured monthly installment loan facility to take care of all your business expansion needs.

Features of ANONNO

  • Loan amount ranges from BDT 3 lac to BDT 25 lac We offer a wide loan range so that you can avail the desired amount to fulfill all your business requirements.
  • No mortgage required The loan facility is completely unsecured in nature which essentially means you do not need to pledge any personal or business assets to secure the loan. Submit all the required documents, get assessed and avail a loan facility without any hassle!
  • Easy installment We realize that your requirements and objectives are unique in nature and hence our assessment is tailored completely to your needs so that you can avail easy repayment facility.
  • Single installment loans If your business revenue (sales) has seasonal variation, we can customize repayment schedule matching your cash flow.
  • Easy loan processing We ensure efficient and effective loan processing so that you do not need to wait in queues or make multiple visits to the bank. Our capable resources are there to assist you and will take care of all the requirements to ensure faster loan processing.
  • No processing fee You do not have to pay any processing fees to avail this loan

Am I Eligible?

You will be eligible for availing ANONNO PLUS SME Loan if your business meets the following criteria:

  • Your business must have a valid trade license and has been operating for at least 3 or more years
  • It should generate sufficient cash flow and profit to ensure timely repayment of loan
  • You should have ownership of land, property or building

We have 186 branches, over 450 ATMs and 457 SME Unit offices nationwide.
Enquiry
Please call our 24 hours call center 16221 or e-mail us at [email protected]

SECURED LOAN

APURBO SME Loan

What is APURBO SME Loan?
If you are an emerging entrepreneur looking for a large loan to meet your business needs and have viable security to offer, APURBO loan facility is the perfect choice.

Loan facilities under APURBO

  • Term loan For your business expansion needs
  • Overdraft and revolving loan For your working capital needs
  • Single installment loans If your business revenue (sales) has seasonal variation, we can customize repayment schedule matching your cash flow.
  • Bank guarantee To participate in different tenders or to provide security in favor of different organizations and institutions.

Features of APURBO

  • Easy and hassle free documentation We understand the value of your time and the difficulty you face while collecting extra documentation regarding your loan; hence we kept it as minimal as it can be.
  • Loan amount starts from BDT 10 Lac and can go up to any amount depending on your business needs We offer a wide loan range so that you can avail the desired amount to fulfill all your business requirements.
  • Easy installment and overdraft facility We realize that your requirements and objectives are unique in nature and hence our assessment is tailored to your needs in order for you to benefit from easy repayment facility. You can also avail overdraft facility to fulfill your working capital requirements very easily.
  • No processing fee You do not have to pay any processing fees to avail this loan.

Am I Eligible?

You will be eligible for availing APURBO SME Loan if your business meets the following criteria:

  • Your business must have a valid trade license and has been operating for at least 3 or more years
  • It should generate sufficient cash flow and profit to ensure timely repayment of loan
  • You should have ownership of land, property or building eligible for mortgage

SECURED LOAN

Import-Export Loan

SHOMRIDDHI SME Loan

What is SHOMRIDHI SME loan?
SHOMRIDDHI is a loan facility to meet your import-export related expenses, post import expenses, tax/duty payment, local bill purchase, working capital, and fixed asset finance starting from BDT 10 Lac to any amount depending on your business needs. You will have a dedicated relationship manager as well.

Loan facilities of SHOMRIDHI

  • Letter of Credit (LC) and Loan against Trust Receipt (LATR)
    • LC opening facility: from BDT 10 Lac to any amount depending on your business needs
    • UPAS LC facility
    • Up to 90% loan against LC
    • Favorable LC term and exchange rate
  • Revolving Loan and Overdraft
    • Import duty payment or goods purchase facility
  • Inland Bill Purchase
    • Purchase accepted bills against local/ foreign LCs issued by other favorable banks
    • Discount up to 90% of accepted LC
  • Term Loan
    • Subsequent term loan to retire documents for machineries LC
  • Bank Guarantee
    • To participate in different tenders or to provide security in favor of different organizations and institutions

Features of SHOMRIDDHI

  • Easy and hassle free documentation We understand the value of your time and the difficulty you face while collecting extra documentation regarding your loan; hence we kept it as minimal as it can be.
  • Loan starts from BDT 10 Lac to any amount depending on your business needs We offer a wide loan range so that you can avail the desired amount to fulfill all your business requirements.
  • Fast transaction time You will enjoy fast transaction time for your LC transaction.

Am I Eligible?

You will be eligible for availing SHOMRIDDHI SME Loan if your business meets the following criteria:

  • Your business must have a valid trade license and has been operating for at least 3 years or more
  • It should generate sufficient cash flow and profit to ensure timely repayment of loan
  • It must be a Sole proprietorship, Partnership or Private Limited Company
  • You must have Updated IRC/ERC

We have 186 branches, over 450 ATMs and 457 SME Unit offices nationwide.
Enquiry
Please call our 24 hours call center 16221 or e-mail us at [email protected]

Women Entrepreneur Loan

TARA SME Loan

What is TARA ?
TARA is a 360 degree banking solution for aspiring women entrepreneur offering a range of loan solutions that meet the lifestyle requirements of women in different segments - business expansion, fixed asset purchase, working capital, commercial vehicle purchase, import and export financing.

Features of TARA

  • Loan amount starts from BDT 3 lac and goes up to any amount depending on business needs
  • Interest rate at 9% (up to BDT 50 lac)
  • No processing fees.
  • Unsecured loan up to BDT 1 crore
  • Dedicated TARA SME desks in all branches across Bangladesh for personalized support
  • Exclusive discount offers from lifestyle, restaurants and health partners
  • Networking and capacity development events exclusively designed for TARA customers

Am I Eligible?

You will be eligible for availing TARA SME Loan if your business meets the following criteria:

  • Your business must have a valid trade license and has been operating for at least 1 or more years
  • It must generate sufficient cash flow and profit to ensure timely repayment of loan
  • Your business must be sole proprietorship, partnership or private limited company in nature

We have 186 branches, over 450 ATMs and 457 SME Unit offices nationwide.
Enquiry
Please call our 24 hours call center 16221 or e-mail us at [email protected]

Commercial Housing Loan

SME Loan

What is NIRMAN SME Loan?
NIRMAN is a loan facility for construction and/or renovation of residential facility and/or commercial complex for rental purpose under Equated Monthly Installment (EMI) loan facility.

Features of NIRMAN

  • Installment based loan for semi pacca building or multistoried building construction
  • Loan ranging from BDT 3 lac to according to your business need
  • Long repayment periods
  • For semi pacca building tenor upto 60 months and for multistoried building tenor upto 120 months
  • No processing fee

Am I Eligible?

You will be eligible for availing commercial housing Loan if your business meets the following criteria

  • Your business must have a valid trade license and has been operating for at least 1 or more years
  • It must generate sufficient cash flow and profit to ensure timely repayment of loan
  • Your business must be sole proprietorship, partnership or private limited company in nature

We have 186 branches, over 450 ATMs and 457 SME Unit offices nationwide.
Enquiry
Please call our 24 hours call center 16221 or e-mail us at [email protected]

Commercial VEHICLE Loan

BAHON SME Loan

What is BAHON SME Loan?
If you are looking to purchase new or reconditioned vehicle(s) for business use, look no further as our tailored product BAHON is here to fulfill all your needs.

Features of BAHON

  • Installment based loan to purchase commercial vehicle You can avail this loan for the purchase of Mini Truck, Covered Van, Pickup Van, Cargo, Prime Mover, Trailer, Tank Lorry, Dump Truck, Ready Mixer, Sedan, SUV or passenger bus/costar for your business needs.
  • Easy loan processing
    We ensure efficient and effective loan processing so that you do not need to wait in queues or make multiple visits to the bank. Our capable resources are there to assist you and will take care of all the requirements to ensure faster loan processing.
  • Competitive interest rates
    We believe in conducting business in the most transparent and efficient manner and hence, offer viable interest rates in line with the market trend. Our competitive interest rates will ensure you do not pay more than what’s required – ever!
  • Loan ranging from BDT 5 Lac to any amount depending on your business needs
    We offer a wide loan range so that you can avail the desired amount to fulfill all your business requirements.
  • No processing fee
    You do not have to pay any processing fees to avail this loan.

Am I Eligible?

You will be eligible for availing BAHON SME Loan if your business meets the following criteria:

  • Your business must have a valid trade license and has been operating for at least 2 or more years
  • It must generate sufficient cash flow and profit to ensure timely repayment of loan
  • You must be in the same line of business for at least 2 years

We have 186 branches, over 450 ATMs and 457 SME Unit offices nationwide.
Enquiry
Please call our 24 hours call center 16221 or e-mail us at [email protected]

Fully Secured Convenience Loan

SHOHOJ SME Loan

What is SHOHOJ SME Loan?
Shohoj is a loan facility for any small and medium business concern that has a Fixed Deposit (FDR), Deposit Pension/Premium Scheme (DPS) and Wage Earners Development Bond (WEDB). Now meet all your cash emergencies easily and conveniently with our SHOHOJ SME Loan!

Features of Shohoj

  • Up to 90% loan against your deposit
  • Easy and quick loan processing
    We ensure efficient and effective loan processing so that you do not need to wait in queues or make multiple visits to the bank. Since the loan is fully backed by security, loan processing is much faster!
  • Easy installment
    We realize that your requirements and objectives are unique in nature and hence our assessment is tailored exclusively to your needs in order for you to benefit from easy repayment facility.
  • Overdraft facility for cash emergency
    We offer you viable overdraft facility to ensure that all your cash requirements are met without any hassle and delay!
  • No processing fee
    You do not have to pay any processing fees to avail the loan.

Am I Eligible?

You will be eligible for availing SHOHOJ SME Loan if your business meets the following criteria:

  • Your business must have a valid trade license and has been operating for at least 1 or more year
  • It must generate sufficient cash flow and profit to ensure timely repayment of loan
  • It must be sole proprietorship, partnership or private limited company in nature

We have 186 branches, over 450 ATMs and 457 SME Unit offices nationwide.
Enquiry
Please call our 24 hours call center 16221 or e-mail us at [email protected]

DEPOSIT PRODUCTS

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Prapti Current Account

With a view to ease your busy life, BRAC Bank is offering you current account named PRAPTI. You can deposit and withdraw money through any branches, SME sales & service centers during banking hours and through ATM and CDM 24 hours. Besides, you will get interest daily on your balance.

Eligibility

Any kind of organization (such as sole proprietorship, partnership, private limited company, educational institution, NGO/Project, Co-operative society and so forth)

Specialty of PRAPTI Current account

It is a current account in which interest is paid on daily balance. You can open up this account in our any branches across the nation with only BDT 5000. For branches located inside Dhaka the required minimum account opening balance is BDT 50,000.00. If current account is opened along with loan disbursement, then the minimum account opening balance requirement will be zero.

How can I get statement?

Statement will be sent to your address on every six months

Miscellaneous Fee

Relationship Fee (Half yearly) Free (If average balance is BDT 100,000 or above). BDT 500+15%VAT will be charged if average balance is below than BDT 100,000.
Debit Card/ ATM Card Fee (Yearly) BDT 600 + 15% VAT
Cheque Book Fee First 25 pages cheque book will be issued free. From 2nd cheque book (of maximum 100 pages), for each cheque book BDT 8 + VAT (Per leaf) will be charged if last 1 month's average balance is below BDT 100,000. No charge is applicable if last 1 month's average balance is BDT 100,000 or above.
Excise Duty As per Government rules.
Inter / Intra City Online Banking Fee As per schedule of charges

We have 186 branches, over 450 ATMs and 457 SME Unit offices nationwide.
Enquiry
Please call our 24 hours call center 16221 or e-mail us at [email protected]

Prachurjo Fixed Deposit

"Prachurjo" is a lucrative fixed deposit for small and medium businesses. With a minimum 1,00,000 TK, any business enterprise having valid trade license can open this account.

Eligibility

  • Everyone involving in sole proprietorship, partnership and private limited companies
  • Small and medium typed businesses (Educational institution, NGO and Co-operative society and others)

Specialty of Prachurjo Fixed Deposit

  • Tenure: Minimum 1 month and maximum 36 months
  • No fees except govt excise / duty on interest earned
  • Interest is applicable on maturity
  • No pre-encashment fees

We have 186 branches, over 450 ATMs and 457 SME Unit offices nationwide.
Enquiry
Please call our 24 hours call center 16221 or e-mail us at [email protected]

Shonchoy SME DEPOSIT

BRAC Bank introduces “Shonchoy – Monthly Deposit Scheme” for all its SME clients. It will allow your organization to save on a monthly basis as per your organization’s requirement and get a handsome return at maturity. Along with this, your business concern can get up to 95% ‘Secured Over Draft’ facility on the deposited amount and at 0.5% lower spread than the regular rate. So, open a “Shonchoy – Monthly Deposit Scheme” today to have a more financially stable present and future for your organization. 
You can choose any range of monthly contribution options for both monthly installment size and maturity, starting from as low as BDT 500 to any multiple of it as per your organization’s need i.e. BDT 1,000, BDT 2,500, BDT 5,000 and so on. You are also free to choose the tenor from one year to ten years depending on your organization’s requirement and convenience.

Eligibility

  • All sole proprietorship businesses
  • Partnership businesses & limited companies
  • Educational institutions
  • Local NGOs/projects
  • Local co-operative society
  • Market/shop owner association
  • Other organizations not mentioned above

Specialty of Prachurjo Fixed Deposit

  • Minimum monthly installment of BDT 500
  • Tenor from 1 year to 10 years
  • 95% Secured Over Draft facility on the deposited amount
  • No account maintenance fee

We have 186 branches, over 450 ATMs and 457 SME Unit offices nationwide.
Enquiry
Please call our 24 hours call center 16221 or e-mail us at [email protected]

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Schedule of Charges
SME Deposit
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Schedule of Charges
SME Loan
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Schedule of Charges
SME Trade
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FAQs
ForEx Rates

Thu, Mar 21, 2019 9:52 AM

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