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 Specialized loans |
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Our specialized loans offer you a wide range of diverse and comprehensive options to choose from for almost any type of financial assistance you may need .
Banque du Liban Subsidies
Offers low-cost government assistance to eligible enterprises operating in Manifacturing,Tourism & Agriculture .
Arab Trade Finance Program
Provides financing of inter-Arab transactions such as import & export from Arab countries .
Inter Arab Investment Guarantee Corporation
Provides insurance coverage for loans provided by an Arab bank and also guarantees credit facilities .
The Islamic Corporation for the Insurance & Export Credit
Provides insurance coverage for loans provided by an Arab bank to an Arab new investment project in a different Islamic countries and also guarantees credit facilities .
European Investment Bank
Grants long term loans to Lebanese hotels & industrial projects .
Saudi Fund Export Development (SFED)
Provides Credit Libanais clients the payment of their imports from Saudi Arabia.
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| Banque du Liban (BDL) Subsidies |
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| CL is one of the participating financial institutions offering low-cost Government assistance schemes to finance eligible small, medium and large enterprises in Lebanon operating in the following 3 sectors: Industry, Tourism and Agriculture, as well as local developers of software and technical expertise. Subsidized loans are mainly provided for equipment and construction financing. |
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- Low interest rates, as BDL subsidizes the loan by 5% or 7%
- A maximum of 15% of the capital will be settled in the first 2 years
- Payback period from 5 to 7 years
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| Requirements: |
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- Your relationship manager will guide you through the requirements on your behalf
- Your recent balance Sheet.
- Legal documents according to your company’s status.
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| Arab Trade Finance program (ATFP) |
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ATFP was established by the Arab Monetary Fund to provide financing of Inter-Arab trade transactions at low and competitive interest rates in order to enhance the competitive abilities of traders in the Arab World and Arab trade with non-Arab countries. Crude oil is now eligible for ATFP financing.
If you import or export from the Arab countries, Credit Libanais can provide you with competitive financing conditions. Through our alliance with the ATFP, we can match you with suppliers and help identify new markets and opportunities. Further, as an agent of the Inter-Arab Investment Guarantee Corporation, we can provide you with insurance coverage for both commercial and non-commercial risks emanating from your trade activity in the region. Click on the Inter-Arab Investment Guarantee Corporate for more information on its benefits and services. |
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| Features: |
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- The Arab Trading Finance Program (ATFP) aims at encouraging trade between the Arab countries and the rest of the world
- Low and competitive Interest rates
- A payback period of up to 5 years for machines and equipment and up to 6 months for consumable goods or up to 18 months for raw materials
- Interest: 2.5 points above the 6 months Libor.
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| Requirements: |
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- Your relationship manager will guide you through the requirements on your behalf.
- Your recent balance Sheet.
- Legal documents according to your company’s status
- The program finances goods of Arab or non-Arab origin. Goods are considered of Arab origin if its value increases by at least 40% due to works performed in an Arab country .
- Minimum financing of $50,000.
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| Inter Arab Investment Guarantee Corporation (IAIGC) |
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IAGC is an international regional insurance institution. It guarantees insurance coverage for loans provided by an Arab bank or an Arab financial institution to a new Arab investment project in a different Arab country than the investor’s country of origin.
IAGC also guarantees all credit facilities granted by a Lebanese exporter to a world-wide importer. |
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| Features: |
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Insurance coverage
- The loans should have a maturity of more than 3 years
- The institution covers the risks that emerge from all kinds of trading
Credit facilities
- Bills are granted up to 85%
- Bills can be discounted at CL without any collateral
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| Requirements: |
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- An IAIGC application duly completed and signed
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| The Islamic Corporation for the Insurance & Export Credit (ICIEC) |
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ICIEC is an international regional insurance institution. It guarantees insurance coverage for loans provided by an Arab bank or an Arab financial institution to a new Arab investment project in a different Islamic country than the investor’s country of origin.
ICIEC also guarantees all credit facilities granted by a Lebanese exporter to a world-wide importer. |
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| Features: |
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Insurance coverage
- The loans should have a maturity of more than 3 years
- The institution covers the risks that emerge from all kinds of trading
Credit facilities
- Bills are granted up to 85%
- Bills can be discounted at CL without any collateral
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| Requirements: |
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- An ICIEC application form duly completed and signed.
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| European Investment Bank (EIB) |
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European Investment Bank is a European Institution which grants long term loans to Lebanese hotels which have a rating of 4 stars or less operating outside the capital and to companies operating in the industry sector.
Hotels |
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- Long-term loan in order to expand, refurbish, or start a new hotel
- Payback period of up to 12 years including a grace period of 2 years
- Low interest rate: up to 3.5 points over LIBOR
- You are entitled to a subsidy of 5% or 7% by the Central Bank
- Fixed interest rate over the whole period
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| Requirements: |
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- Your relationship manager will guide you through the requirements on your behalf
- Your recent balance Sheet.
- Legal documents according to your company’s status
- Feasibility study
- EIB application form
- 50% of the project must be financed by the borrower
- Minimum 50 thousand Euro or its equivalent in USD
- Maximum 2.5 Million Euro or its equivalent in USD.
- The hotel must be outside the capital and rated as 4* or below.
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Industry
EIB also finances projects by granting loans for financing industrial projects: renovation of the plant, and/or purchase of new machines. |
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| Features: |
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- Long-term loan
- Payback period of up to 10 years including 2 years of grace period
- You are entitled to a subsidy of 5% or 7% by the BDL
- Interest rate calculated yearly up to 3.5 points over LIBOR
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| Requirements: |
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- Your relationship Manager will guide you through the requirements on your behalf
- Your recent balance Sheet.
- Legal documents according to your company’s status
- Feasibility study
- EIB application form
- 50% of the project must be financed by the borrower
- Maximum 2 Million Euro.
- Minimum 50 thousands Euro.
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| Saudi Fund Export Development (SFED) |
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| SFED is a Saudi organization, which provides CL clients payment of their imports from Saudi Arabia. |
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| Features: |
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- Payback period from 3 months to 7 years
- Attractive interest rate
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| Requirements: |
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While your relationship manager will guide you through the requirements, you still need:
- Your 3 latest audited balance sheets
- Legal documents according to your company’s status
- Authentification of the Saudi nature of the imported goods
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| Business Overdrafts |
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| With CL's overdraft facility , you can have easy access to extra funds as and when you need them. |
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| Features: |
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- A current account offering you a predetermined limit with direct access
- The facility offers you extra funds within a limit not to be surpassed .
- Available to all types of companies
- Account can be held in all type of currencies
- Availability of cash upon need
- Finance of working capital
- Checkbook facility
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| Requirements: |
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- Your relationship Manager will guide you through the requirements on your behalf
- Your recent balance Sheet.
- Legal documents according to your company's status.
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| Discounting Bills |
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| This is short-term advance (discounted against trade bills) for both importers and exporters for a duration not exceeding 90 days. |
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| Features: |
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- You can discount your bills receivable and we will provide you with cash up to a certain percentage of your bills portfolio.
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| Requirements: |
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- Your recent balance Sheet .
- Legal documents according to your company’s status
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| Term Loans |
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| With Credit Libanais Term Loans facility, you can upgrade your equipment, add a new product or open a new outlet without squeezing your current liquidity. This facility allows you to match the payment of the loan with your expected cash inflows at affordable market rates. |
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| Features: |
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- Facilities to expand, upgrade equipment, open a new outlet
- Medium-term loan (2-7 years)
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| Requirements: |
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While your relationship manager will guide you through the requirements, you still need:
- Your 3 latest audited balance sheets
- Legal documents according to your company’s status
- A feasibility study of the project
Guarantees will be studied on a case by case basis |
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