Kafalat Programs

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KAFALAT LOAN

Financing projects in many sectors

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Kafalat Programs

Subsidized, guaranteed commercial loans to help you start up or expand your business.

Do you have a small or medium sized firm with up to 40 employees? Then Credit Libanais Kafalat Loans Programs can take your business to the next level. These loans are ideal for promising businesses in many sectors: tourism, agriculture, industry, traditional crafts and high-technology.

Features

Loans subsidized by the Central Bank (up to 4.5%)
Loans guaranteed by Kafalat S.A.L with a commission: 2.5% of the value of the Kafalat guarantee + 3% fiscal stamps (one time fee)
Interest rate on loans granted in Lebanese Pounds of 40% of 1 year Treasury bills + 3.3%
Interest on loans granted in US Dollars of 1 year Libor +5.5%
Loans granted to small and medium size businesses: companies, sole, proprietorship or individual
Repayment period can vary between 12 and 84 months, including 6 months to 1 year grace period (Energy related loans ant trees farming can be granted for longer periods as per below tables)

Answer your precise needs. Below are some examples of what you could finance regardless of whether your business is an existing or new one:

Purchasing machinery and equipment (new or used)
Financing farming projects and cattle
Financing working capital such as purchasing raw materials and spare parts (normally granted with shorter repayment periods)
Construction costs (the loan should not be exclusively used to cover construction costs)
Equipping and furnishing hotels and restaurants
Implementing a solar energy system that reduces energy consumption and energy cost generation
Implementing a solar energy system for alternative power generation
Installation of solar panel systems and related equipments

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To best suit your business's real needs, four distinct types of Kafalat loans are currently offered:

	Kafalat Basic	Kafalat Delegation	Kafalat Plus	Kafalat Innovative
Eligibility	Individuals, SAL and SARL	Individuals, SAL and SARL	Only SAL and SARL	Only SAL and SARL (only for innovative products and techniques)
Amount	Up to LBP 300M or equivalent in US Dollars	Up to LBP 75M or equivalent in US Dollars	Up to LBP 600M or equivalent in US Dollars	Up to LBP 200M or equivalent in US Dollars
Client contribution :	Determined according to the project	Determined according to the project	minimum 30% (start-up) and 20% (existing company),	20% (existing company), 10% min. contribution
Guarantee Ratio	75% of the loan amount + the project	70% of the loan amount + interest	85% of the loan amount + interest (no security can be requested)	90% of the loan amount + interest
Repayment	Up to 7 years, including a grace period between 6 months and 1 year (exceptions	Up to 7 years, including a grace period between 6 months and 1 year (exceptions	Up to 7 years, including a grace period between 6 months and 1 year (exceptions	up to 5 years, including a grace period between 6 months and 1 year: apply
Special Characteristics		Fast and efficient: Requires the approval of the Bank Committee, based on this Kafalat will issue the guarantee	Also used for: - Marketing promotion activities, foreign exhibitions, etc., - Plant renovation, expansion, etc.,	Also used for the development of : - a new product or service, - a new production or process, - new uses for existing products - new distribution channels - research

	Kafalat Energy 1	Kafalat Energy 2	Kafalat Energy 3	Kafalat Farmer	Kafalat Trees	Kafalat Pioneer & Invention
Max Amount	LL600Mios OR C/V $400,000	LL600Mios OR C/V $400,000	1,320,000,000 LBP OR C/V $880,000	LL65Mios OR C/V $43,333	LL480Mios OR C/V $320,000	LL650Mios OR C/V $433,333
Kafalat Guarantee	85%	85%	85%	85%	75%	90%
Period Grace period	10Y incl. 1Y g.p.	15Y incl. 2Y g.p.	15Y incl. 3Y g.p.	7Y incl. 1Y g.p.	10Y incl. 3Y g.p.	7Y incl. 1Y g.p.
Collateral	YES	YES	YES	NO	YES	NO
Legal Entities	All entities	All entities	All entities	All entities	All entities	SAL
Conditions	Using methods to reduce energy consumption	Using methods for consumption of alternative energy	Investing in Equipment to produce alternative energy			Min. Contribution 50% To create a new product or service