Guarantees for Loans to Small and Medium Enterprises


Tue, 05/07/2013 - 10:50 -- admin
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Kafalat Innovative Programme Overview

Please note that the Kafalat Innovative Programme is currently suspended.


Kafalat Innovative Programme is the result of a partnership between the European Union and the Ministry of Economy and Trade of Lebanon (MoET) to finance innovative ideas and businesses.

This programme is co-financed by the EU and Kafalat SAL and offers loan guarantees to start-up businesses of less than two years for investments in fixed assets and working capital needs. It helps start-ups in developing their business ideas or activities in 5 different sectors:

  • Industry
  • Agriculture
  • Tourism
  • High Technologies
  • Crafts

The size of the loan requested has to reflect the needs of the project to be financed and could reach a maximum of LBP 300 million. The value of the Kafalat approved loan will depend on these financial needs as justified in the business plan/feasibility study.

Name of the Programme

Kafalat Innovative

Investment Type

To finance Fixed Assets and Working Capital Needs

Maximum Loan Amount

LBP 300 Million

Loan Duration

Up to 5 Years

Guarantee Ratio


Grace Period

Between six months and one year