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SME FINANCING

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: 7% (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

NIRMAN 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

KNOW MORE

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

In this account, interest generates on daily balance and the interest amount is credited to your account every 6 months. You can open up this account in our any branches across the nation with only BDT 5000. If current account is opened along with loan disbursement, then the minimum account opening balance requirement will be zero.

Fees and Charges

Half Yearly Account Maintenance Fee	BDT 300(+VAT)
Annual Debit Card Fee	BDT 600 (+VAT)
Annual Debit Card Fee	Female Prapti account holders will receive TARA business debit card and the annual fee is BDT 500 (+VAT)
First Cheque Book Issuance Fee (25 pages):	BDT 250(+VAT)
Second Cheque Book Onward:	If previous month average balance is BDT 100,000 or more, then cheque book of 25 pages is free In case of maintaining required average balance, charges will be applicable if more than 1 (one) cheque book is requested within the same month from 2nd cheque book onwards or if issued cheque book is of more than 25 pages If previous month average balance is less than BDT 100,000, then BDT 10(+VAT) will be charges for per cheque book leaf ie. BDT 250(+VAT) for 25 page cheque book, BDT 500(+VAT) for 50 page cheque book and BDT 1,000(+VAT) for 100 page cheque book
Inter-City Charge	As per schedule of charges
SMS Banking	BDT 300(+VAT)
Internet Banking	Free
e-Statement	Free
Statement Cycle	Half-yearly
Excise Duty	As per schedule Government regulation

Shadhin Current Account

Shadhin Current Account is a "no fee, no interest" account for your business. All banking related charges are waived in this account upon maintaining a minimum monthly average 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 Shadhin Current Account

The minimum balance for account opening is only BDT 1,000
Half yearly account maintenance fee, debit card fee and cheque book fee are waived upon maintaining a monthly average balance of BDT 25,000 or more
No intercity charge on deposit of any amount and withdrawal of up to below BDT 100,000
Free SMS banking, internet banking and e-statement

Fees & Charges

Half Yearly Account Maintenance Fee	No account maintenance charge if half yearly average balance of BDT 25,000 or more is maintained BDT 300 (+VAT) if half yearly average balance of BDT 25,000 is not maintained
Debit Card	No debit card issuance fee
	No debit card fee if yearly average balance of BDT 25,000 or more is maintained
	BDT 600 (+VAT) will be charged as debit card annual fee if yearly average balance is less than BDT 25,000
	Female Shadhin account holders will receive TARA business debit card and the annual fee is BDT 500 (+VAT) if yearly average balance is less than BDT 25,000
First Cheque Book Issuance Fee (25 pages):	BDT 250(+VAT)
Second Cheque Book Onward:	If previous month average balance is BDT 25,000 or more, then cheque book of 25 pages is free In case of maintaining required average balance, charges will be applicable if more than 1 (one) cheque book is requested within the same month from 2nd cheque book onwards or if issued cheque book is of more than 25 pages If previous month average balance is less than BDT 25,000, then BDT 10(+VAT) will be charges for per cheque book leaf ie. BDT 250(+VAT) for 25 page cheque book, BDT 500(+VAT) for 50 page cheque book and BDT 1,000(+VAT) for 100 page cheque book
	If monthly average balance is below BDT 25,000, then BDT 8(+VAT) will be charged per leaf
	Charges will be applicable if more than 1 (one) cheque book is requested within the same month from 2nd cheque book onwards as per Schedule of Charges
Inter-City Charge	No inter-city charge on deposits No intercity charge on deposit of any amount and withdrawal of up to below BDT 100,000
SMS Banking (both push & pull)	Free
Internet Banking	Free
e-Statement	Free
Statement Cycle	Half-yearly
Excise Duty	As per Government regulation

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]

Currency	Buying	Selling
USD	83.95	84.95
EUR	98.6524	101.8605
GBP	109.3883	112.5996

View complete list

GROW

Your BUSINESS

With Our Quick & Simplified

OVERVIEW

Loan products

UNSECURED LOAN

ANONNO

Features of ANONNO

Am I Eligible?

SECURED LOAN

APURBO SME Loan

Loan facilities under APURBO

Features of APURBO

Am I Eligible?

SECURED LOAN

Import-Export Loan

SHOMRIDDHI SME Loan

Loan facilities of SHOMRIDHI

Features of SHOMRIDDHI

Am I Eligible?

Women Entrepreneur Loan

TARA SME Loan

Features of TARA

Am I Eligible?

Commercial Housing Loan

NIRMAN SME Loan

Features of NIRMAN

Am I Eligible?

Commercial VEHICLE Loan

BAHON SME Loan

Features of BAHON

Am I Eligible?

Fully Secured Convenience Loan

SHOHOJ SME Loan

Features of Shohoj

Am I Eligible?

DEPOSIT PRODUCTS

Prapti Current Account

Eligibility

Specialty of Prapti Current Account

Fees and Charges

Shadhin Current Account

Eligibility

Specialty of Shadhin Current Account

Fees & Charges

Prachurjo Fixed Deposit

Eligibility

Specialty of Prachurjo Fixed Deposit

Shonchoy SME DEPOSIT

Specialty of Prachurjo Fixed Deposit

Schedule of Charges SME Deposit

Schedule of Charges SME Loan & Trade

Schedule of Charges SME Trade

FAQs

Schedule of Charges
SME Deposit

Schedule of Charges
SME Loan & Trade

Schedule of Charges
SME Trade