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SME's

Our Mission

To contribute to the development of the national economy by providing a wide range of financial and non-financial banking solutions, services and products, designed to support and finance small and micro enterprises, being a primary engine for economic growth and one of the key instruments for enhancing financial inclusion.

Our Vision

Actively contributing to Egypt’s sustainable development strategy, the bank delivers innovative banking products tailored to meet the diverse needs of all customer segments. Our goal is to provide an efficient banking experience characterized by speed and convenience, while maximizing the bank’s role in supporting and advancing various economic sectors, ultimately creating added value for society, shareholders, and employees alike.

SME's

Product  Type of Loan Loan Cap / Facilitations  Targeted Segments Financing Rate
Working Capital Financing
  • Short –term financing to finance working capital to meet the customer’s operational needs.
  • Repayment period of up to one year.
  • Central Bank initiative at a 5% interest rate.
 All industrial sectors, companies, and establishments including those producing intermediate components for industry or replacing them with imports, projects with innovative ideas, and projects targeting export and reliance on renewable energy. The percentage of direct and indirect financing is determined based on the client's needs and the credit assessment.
Machinery and Equipment Financing

 Medium-term financing to finance:

  1. The purchase of machinery and equipment (new/use) for factories.
  2. The purchase of production lines (complete/partial) for factories.
  3. The Replacement and/or refurbishment (machinery, equipment, production lines) for factories.
  • With repayment periods of up to 5 years.
  • Central Bank initiative at a 5% interest rate.

All industrial establishments

Finance of up to 70% of the value of machinery and equipment purchased according to credit assessment.

Financing for purchasing ready industrial units 
In collaboration agreement with:

Industrial Development Authority
  • Financing the purchase of allocated ready units through the Industrial Development Authority.
  • Repayment period of up to 10 years including one year of grace period.
  • Central Bank initiative at a 5% interest rate.

Industrial unit’s owners

75% of the total unit price

Startup Financing
  • Financing of startup industrial projects with innovative ideas.
  • Stimulating industrial activities in the informal economic sector to join the formal economic sector.
  • Central Bank initiative at a 5% interest rate.

Newly established industrial enterprises.

 Direct and indirect financing rate is determined based on the client's needs and the credit assessment.

Medical Equipment Financing

Medium-term financing for medical equipment and devices purchase for:

-    Laboratories.
-    Radiological centers.
-    Treatment centers.

With repayment periods of up to 5 years.
Central Bank initiative at a 5% interest rate.

Laboratories, radiology centers, treatment centers and physiotherapy centers.

The program allows finance up to 80% of the value of the medical equipment and devices according to credit assessment.

Green Economy Finance

 
  •   Medium-term financing for investment costs of companies engaging in all renewable energy activities.
  •   Financing the working capital for companies engaging in manufacturing power saving products and its suppliers.
  •   Financing investment costs for manufacturing of solar power stations and their components (machinery, equipment, and construction).
  •   Repayment period up to 10 years

Companies that engaging in all fields of renewable energy, including:

  • Renewable energy projects.
  • Energy efficiency.
  • Building energy management efficiency.
  • Solar energy stations.
 The facility amount is determined at a competitive interest rate based on studies prepared by the project consultant.

Natural Gas Installation financing “for factories”

 

Financing the cost of natural gas installation for industrial units.

    - Repayment periods of up to 5 years.
    - Central Bank initiative at a 5% interest rate.

All industrial facilities that seeking the transition to clean energy and achieving sustainable development.

 

 Full financing of natural gas connection costs for factories, subject to credit assessment on a case-by-case basis.

Industrial Vehicle Financing
  • Medium-term financing to support the purchase of transportation vehicles for industrial activities including (Trucks, Loaders - Bulldozers and Dump Trucks).
  • With repayment periods of up to 5 years maximum.
  • Central Bank initiative at a 5% interest rate.

All industrial facilities.

 The program allows finance up to 80% of the value of Industrial Vehicle purchased according to credit assessment.

Financing for purchasing ready industrial units
In collaboration agreement with 
Port Said Governorate
 "South Raswa”
  • ·  Financing the purchase of ready-built units with a repayment period of up to 10 years including a grace period of one year. 
  •     With a repayment period of up to 10 years including a grace period of one year.
  •     Central Bank initiative at a 5% interest rate.
 Small-Industries Complex in the South Raswa, Port Said Governorate

90% of the total value of the allocated units.

Damietta Furniture City Financing

 

  •   Financing the purchase of ready-built units with a repayment period of up to 10 years including a grace period of one year. 

  •   With a repayment period of up to 10 years including a grace period of one year.

  •  Central Bank initiative at a 5% interest rate.

Owners of industrial units in Damietta Furniture City. 

90% of the total value of the allocated units.

Egyptian Federation of Industries Members Financing

 
  • Short and medium term financing to cover all investment costs of industrial and service activities of Egyptian Federation of Industries members.
  • Repayment periods of up to 5 years including one-year grace period.
  • Central Bank initiative at a 5% interest rate.

 Chambers members from companies and industrial institutions.

  • Chamber of food Industries.
  • Chamber of engineering Industries.
  • Chamber of metallurgical Industries.
  • Chamber of leather Industries.
  • Chamber of textile Industries.
  • Chamber of chemical industries

 

 The program allows finance up to 90% of purchased the equipment and devices according to credit assessment.

Small Investor Financing Product
"Entrepreneurs"

 

Support and finance micro-projects through:

  •  Financing new and used machinery and equipment.
  •   Financing working capital.
  •   Clean energy program projects financing.
  1. All startups and small enterprises.
  2. Emerging investors looking for new business opportunities.
  3. The young entrepreneurs of both genders who want to start their own businesses.
With annual sales ranging 
from EGP 250,000 to Less Than EGP 1 million

 

According to the client’s activity, needs and credit assessment.
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Main Documents Needed
  1. A copy of the company's last 3 budgets that must be approved by an accountant registered with the Central Bank of Egypt.
  2. Financial and technical study from an accredited consultant office and/or from the institution.
  3. A copy of national ID of partners that contribute with more than 10%
  4. A copy from the contract of company formation.
  5. A copy form a valid Commercial register that does not exceed three months.
  6. A copy of business activity license, manufacturing license, industrial registration and tax card.
  7. A recent certificate of tax and insurance status certified by a chartered accountant
  8. Quotations for the machinery and equipment to be financed.
  9. Additional documents can be required based on the financing program.

You may contact us through our call center at 19320 or via a dedicated email address to be created under the title: SME’s and to: support@idbe.com.eg

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