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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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General information

Fri, 04/12/2013 - 10:43 -- admin

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English

With which banks does Kafalat work? Through which bank can you apply for a Kafalat loan guarantee?

Fri, 04/12/2013 - 10:39 -- admin

With which banks does Kafalat work? Through which bank can you apply for a Kafalat loan guarantee?

Any commercial bank operating in Lebanon (Central Bank list) can be approached to apply for a Kafalat loan guarantee.

English

What does Kafalat NOT do?

Fri, 04/12/2013 - 10:30 -- admin

What does Kafalat NOT do?

- Kafalat does NOT grant loans, it guarantees loans that are given by banks
  operating in Lebanon. (Kafalat does not interfere in the decision-making
  procedure for the loan approval at the bank).
- Loans to be guaranteed by Kafalat generally CANNOT be used for the
  repayment of existing debts.
- The funds generally CANNOT be used for paying for business expenses
  incurred prior to the approval of the guarantee.

English

Eligibility

Thu, 04/11/2013 - 10:30 -- admin

Eligibility

Eligible applicants are SMEs with less than 40 registered employees operating in one of the five subsidized sectors: Industry, Tourism, Agriculture, High Technologies and Crafts.

Legal Forms

All types of legal economic entities are eligible for Kafalat Basic Loans. The borrower may be an individual, a sole proprietorship, a simple partnership, a limited liability company, a joint stock company, a cooperative or an NGO.

The business activity has to take place and be registered as an entity in Lebanon.

English

Characteristics of the loan

Thu, 04/04/2013 - 16:47 -- admin

Characteristics of the Loan

Kafalat Basic guarantees loans with amounts varying between a minimum of LBP four million and a maximum of LBP 300 million.

The loan has to be repaid within a maximum of 7 years. New loan guarantees include a grace period between 6 and 12 months depending upon expected business revenues. During the grace period, the borrower makes no repayment, neither in principal nor in interest.

English

Can I start executing my project when the bank approves the loan?

Mon, 03/18/2013 - 10:59 -- admin
English

No. You may only start executing the part of your project guaranteed by Kafalat, after Kafalat has issued its guarantee. The bank cannot disburse the loan before Kafalat’s letter of guarantee is issued, unless a prior written justification is given by the bank and approved by KAFALAT.

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kafalat statistics

At 31-12-2022

761
active loans in Agriculture
252
active loans in Tourism
1 327
active loans in Industry


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