Community Banking Term Loan

Community Banking Term Loan

What is Term Loan (TL)?
Term Loan (TL) enables you to make an investment in the business by acquiring fixed assets to enhance the environment, the means of production and value of your enterprise.
Eligible investments include plant and machinery, warehousing and transport equipment.

Program details & Benefits:

  • Minimum limit is USD 100,000 and Maximum is USD 500,000 /- loan to established for small& Medium enterprises.
  • Minimum tenor of 12 months & Maximum tenor of 36 months.
  • Interest shall be repaid on monthly basis but Principle can be paid on monthly & quarterly.
  • Competitive interest rates
  • Reasonable fees & charges
  • Reduced administrative requirements

Who is Eligible?
Established small & medium enterprises which have been operating as going concerns for a minimum of three years, have had a satisfactory account relationship with a bank for at least 6 months and have good systems in place to ensure reliable collections from their customers

The following manufacturing & production sectors are given priority consideration:

  • Cashmere
  • Carpets
  • Production of construction materials
  • Marble
  • Food Production
  • Manufacturers
  • Or any other business as accepted by the bank

Why to Choose AIB?
Being the country’s most trusted financial institution and the pioneer bank in providing SME loans to the businesses, you will be benefited from a simple, fast process, as well as exceptional savings on fees, interest rates and terms.

How to Apply?
We are always ready to help you get start on your application online or visit AIB branch nearest you.

Where to Apply?
AIB branches are located in all major cities of Afghanistan. Please call +93 (0) 20 255 0255 or +93 (0) 790 255 255 to help you find the nearest AIB branch in your area.

“We understand that small businesses always need flexible working capital solutions to run smoothly”

Over Draft Facility (OD)

What is Over Draft Facility (OD)?
Over Draft (OD) facility is designed to meet working capital requirement to avail for Small and Medium Enterprises which have been operating as going concerns for a minimum of two years and have had a satisfactory account relationship with any bank for the same period.

Program details & Benefits:

  • Minimum limit is USD 100,000 and Maximum is USD 500,000 /- loan to established for Small & Medium Enterprises.
  • It is a revolving facility and maximum tenor is 12 months.
  • Interest amount is calculated basis on utilized amount and shall be repaid on monthly basis.
  • Competitive interest rates
  • Reasonable fees & charges
  • Reduced administrative requirements

Who is Eligible?
Established small & medium enterprises which have been operating as going concerns for a minimum of two years, have had a satisfactory account relationship with any bank for the same period and have good systems in place to ensure reliable collections from their customers.

The following sectors are given priority consideration:

  • Importers & Exporters
  • Carpets
  • Production of construction materials
  • Marble
  • Food Production
  • Manufacturers
  • Or any other business as accepted by the bank

Why to Choose AIB?
Being the country’s most trusted financial institution and the pioneer bank in providing SME loans to the businesses, you will be benefited from a simple, fast process, as well as exceptional savings on fees, interest rates and terms.

How to Apply?
We are always ready to help you get start on your application online or visit AIB branch nearest you.

Where to Apply?
AIB branches are located in all major cities of Afghanistan. Please call +93 (0) 20 255 0255 or +93 (0) 790 255 255 to help you find the nearest AIB branch in your area.
“We understand that small businesses always need flexible working capital solutions to run smoothly”

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