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.
Kafalat Basic guaranteed loans may be granted in either Lebanese Pounds or US Dollars, or any other convertible foreign currency.
Loans taken in Lebanese Pounds (LBP) will be charged the following interest rate:
Interest rate = 1-year Lebanese Treasury Bills Yield + 3%
Loans taken in Foreign Currency (e.g. USD) will be charged the following interest rate:
Interest Rate = 1-year Libor + 5.5%
For Individuals:
For Companies:
L’Union Européenne, en partenariat avec Kafalat SAL, a conclu, depuis Juillet 2004, une multitude d’accords de financement avec des Ministères Libanais pour établir des mécanismes de financement et pour soutenir l’innovation au sein des Petites et Moyennes Entreprises et leurs capacités concurrentielles.
وقع الاتحاد الأوروبي، في الفترة منذ تموز (يوليو) 2004، سلسلة من اتفاقيات التمويل مع وزارات لبنانية وبالشراكة مع شركة كفالات لإنشاء آليات تمويل للمؤسسات الصغيرة والمتوسطة الحجم ولدعم الابتكار والقدرة التنافسية للمؤسسات.
وقد حدد الاتحاد الأوروبية اربعة مشاريع على أنها ذات أولوية بإعتبارها الأهم في جهود الشراكة، ويتضمن ذلك مشاريع :
• لدعم البرنامج المتكامل للمؤسسات الصغيرة والمتوسطة الحجم، تمّ التوقيع عليه في تموز(يوليو) 2004، مع وزارة الاقتصاد والتجارة وبالتعاون مع وزارة الصناعة.
A complete application is processed faster!
All Kafalat programmes require a common set of documents to be provided. The main documents Kafalat requires are:
1- Feasibility study or business plan, presenting the project and a cash flow projection for the duration of the loan.
2- Pro-forma invoices.
3- Rent contract and/or a recent real estate certificate for the business premise.
4- Financial statements for the last three years.
Kafalat is a Lebanese financial company with a public concern that assists small and medium sized enterprises (SMEs) to access commercial bank funding. Kafalat helps SMEs by providing loan guarantees based on business plans / feasibility studies that show the viability of the proposed business activity.
It processes guarantee applications for loans that are to be provided by Lebanese banks to SMEs operating throughout Lebanon under the Kafalat programme.
