Guarantees for Loans to Small and Medium Enterprises
We help SMEs access funding

News & Events

4th International MENA Guarantee Forum - April 3 & 4, 2019

Kafalat SAL will host this year's International Forum for MENA Guarantee Institutions, an annual gathering of the guarantee institutions in the MENA region. This 4th edition will take place in Beirut... more

Kafalat SAL Celebrates the Arab Day for Financial Inclusion

On April 27 of each year, the Arab World celebrates Financial Inclusion. Financial Inclusion is the effort of making available all financial services to various segments of society, especially the... more

Kafalat at Beirut Energy Forum 2015 - From 9 To 11 September

Kafalat SAL will be participating in the International Beirut Energy Forum - 2015, at booth # 21. The Bieurt Energy Forum is an annual meeting event for experts and stakeholders in Renewable Energy... more



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Partners in Co-operation

Industrial Research InstituteMultilateral Investment Guarantee Agency
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Related Parties of Interest


What does Kafalat do?

Mon, 05/13/2013 - 12:01 -- admin

Kafalat guarantees loans that are given by banks operating in Lebanon to finance projects in one of the five subsidized sectors: Industry, Agriculture, Tourism, High Technology and Traditional Crafts. Kafalat does NOT grant loans.

If my Work is one of the following, is it eligible for Kafalat?

Mon, 05/13/2013 - 12:00 -- admin

If your work is a profession such as a barber, a dentist, a mechanic, a plumber, etc. it is not eligible for Kafalat.
If it is a craft, such as a carpenter, a blacksmith, a shoemaker, etc. then it is eligible for Kafalat.
If your work is a service such as a gas station, a laundry, a supermarket, a beauty parlour, a car rental agency, or a learning institute, it is not eligible for Kafalat.

Does Kafalat cover construction costs?

Mon, 05/13/2013 - 11:56 -- admin

Kafalat covers costs which will enable the project to start operations and generate cash. These costs usually occur during the last phases of the project development, as opposed to construction costs, which occur at the starting phases. However, should the last phases costs necessary for operations be less than the maximum loan amount, part of the construction costs could be financed through the loan guaranteed by Kafalat.

Application Flow

Tue, 05/07/2013 - 14:41 -- admin

Application Flow

The borrower has first to approach a bank to present the project to be financed by the loan.

Once the bank has accepted the loan application, it submits this application to Kafalat. In addition to bank loan documents, Kafalat requires a completed loan guarantee application form as well as its own set of supporting documents.


Cost of the Loan

Tue, 05/07/2013 - 14:39 -- admin

Cost of the Loan


Kafalat Agriculture guaranteed loans may be granted in either Lebanese Pounds or US Dollars, or any other foreign currency.

Loans taken in Lebanese Pounds (LBP) will be charged the following interest rate:

Interest Rate = 1-year Treasury Bill's Yield (TBY's) +3%

Loans taken in Foreign Currency (e.g. USD) will be charged the following interest rate:

Kafalat Small Agriculture and Kafalat Trees:



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kafalat statistics

At 31-12-2022
active loans in Agriculture
active loans in Tourism
1 327
active loans in Industry