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Business and Corporate banking Loans in Lebanon with FNB.

E-banking

Business Loan

Do you have an established business or wish to expand your existing one?
FNB offers you a wide range of financial services to help you build a sustainable and profitable business.

  • Kafalat Loans
    Offered to you in association with Kafalat s.a.l.
    • Sectors: Industry, Agriculture, Tourism, Craft and Technology
    • Currency: LBP and USD
    • Maximum Loan Amount: US$ 400,000 or it C/V in LBP
    • Loan Duration: Up to 10 years including grace period depending on Kafalat types
    • Grace Period: Between 6 months and 3 years
    • Interest Rate: 40% 1-year lebanese treasury bills yield (TBY's) + 3% for loans in LBP and one year LIBOR’s yield + 5.5% for loans in USD
    • Subsidy from Central Bank of Lebanon: 4.5%
  • 313 BDL Loans
    Offered to you in collaboration with Banque Du Liban
    • Sector: Commercial
    • Currency: LBP and USD
    • Loan Duration: Up to 10 years following grace period
    • Grace Period: Between 6 months and 4 years
    • Interest Rate: 40% of 1- year lebanese treasury Bills Yield (TBY's) + 3.3% for loans in LBP and cost of fund + 2% for Loans in USD (in the range of 6% to 6.5%)
  • 185 BDL Loans
    Offered to you in collaboration with Banque Du Liban
    • Sector: Commercial
    • Currency: LBP and USD
    • Loan Duration: Up to 10 years following grace Period
    • Grace Period: Between 6 months and 4 years
    • Interest Rate: 40% of 1-year lebanese treasury bills yield (TBY's) + 3% for loans in LBP and cost of fund + 2% for Loans in USD (in the range of 6 to 6.5%)
  • Subsidized Loans
    Offered to you in collaboration with Banque du Liban
    • Sector: Industrial, Touristic, Agricultural, IT Development and handicrafts
    • Currency: LBP and USD
    • Interest Rate: 2-year lebanese treasury bills yield (TBY's) + 1% for loans in LBP and 3 months LIBOR + 7% for loans in USD
    • Subsidy from Central Bank of Lebanon: Up to 4.5%
    • Loan Duration: It ranges between 5 & 7 years with a minimum of 2 years grace period
  • Additional types of Loans
    • Overdraft Account
    • Refinancing Account
    • Discounted Commercial Bills
    • Letter of Credit
    • Letter of Guarantee
    • Term Loan facilities
    • FX Deals
    • Document for collection
    These facilities are granted at competitive prices and conditions
  • Required documents to submit a credit file
    Legal Documents:
    • Registration certificate with the commercial register
    • Bylaws of the company (for SARL and SAL companies)
    • Minutes of meeting for the latest general assembly meeting (for SARL and SAL company)
    • Minutes of meeting for latest board of directors meeting
    • Commercial circular
    • Copy of each partner’s ID
    • Recent certificate from the commercial register
    • Borrowing right
    Financial Documents:
    • Audited financial statements for the past 3 years
    • Copies of accounts’ statements in other banks for the last 6 months
    • List of the clients of the company with current outstanding balances and aging of the receivables
    • List of the suppliers of the company with current outstanding balances and aging of the payables
    • List of facilities granted by other banks (if any) including limits, outstanding balances, conditions, and ceded guarantees
    Miscellaneous:
    • Facility request
    • Business overview and history
    • Centrale des Risques (CDR) signed in the name of the company and in the name of each partner
    • List of fixed assets and properties for the partners with copies of title deeds
    • Networth statement for partners/shareholders
    • List of investments for partners/ shareholders
    In addition to the above documents, the below is requested for Contractors, Real Estate Developers, Project Financing, etc.:
    • List of executed projects (with copies of related contracts), work-in-progress (with copies of related contracts) and project in pipeline (copies of signed contracts if any), stating brief project description, employer, total project amount, amount executed till date (% of completion of each project)
    • New Project Financing: project study with project’s description specifying the owner, total project amount, and a cash flow projection stating company’s needs for direct and indirect financing
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First National Bank S.A.L-List of Banks No. 108; C.R. 67480 | Online banking services licensed by virtue of BDL letter No. 11/104 dated 3/3/2012