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In light of Banque Misr’s keenness to support small, medium and micro enterprises and entrepreneurs for their role in supporting the national economy, Banque Misr provides integrated financing solutions to support project owners at a competitive interest rate and in order to ensure the continuity of our role as success partners for our clients, we provide packages of solutions Integrated non-financial designed specifically to meet the needs of customers in various financing segments and various stages of the project, whether it is under construction or an existing project. Our non-financial services vary to include consulting services, training services, capacity building, marketing and networking and other important services to support projects, We also pay special attention to female entrepreneurs, due to our belief in the economic and societal role of Egyptian women, as we launched the integrated “Zaat” program to support Egyptian female entrepreneurs and businesswomen, which meets all their financial and non-financial needs.

 

 

Small Enterprises Projects

Mashroui Mashrouak

Product Charges Interest:
5% simple diminishing interest for industrial activities, services and professions "as per the Central Bank of Egypt initiative"
Competitive rate of return for commercial activities
Product Benefits Contribute to aiding existing projects “whose sales value ranges between EGP 1 million to less than EGP 50 million” for development, expansion, replacement, and renewal by offering financing to projects that provide permanent job opportunities, which will, in turn, boost production and income. It offers financing for all types of enterprises; whether individual, personal enterprises or finance companies performing in all activities including industrial, commercial, services, liberal professions, medical, clinical, and pharmaceutical. This is in addition to environmentally-friendly activities and projects for clean energy transformation (natural gas and solar power).
The fund is offered through short, medium and long -term loans for working capital finance, as well as financing local purchases and imports of machinery, equipment (new/ used) and vehicles.
Loan value ranges between EGP 250,000 and EGP 8 million to finance both existing and new activities.
The loan period ranges between 1 and 5 years with a grace period depending on the nature of the project.
Additional Product Data Financing percentages:
Up to 80% for machinery and equipment
Up to 80% for automotive
Up to 100% for working capital
Required Documents Recent transcript from the commercial registry
Copy of tax card
Copy of activity license (temporary, final, under issuance or not subject to license)
Taxation and insurance status
Copy of the project location’s ownership deed or lease contract
Budgets since start of activity or a maximum of the last three budgets for existing companies
Copy of articles of incorporation and amendments thereof (for individual or finance companies)
For recently established projects: feasibility study from a certified public accountant

Digital small Business Loan Express

Product Name

Digital small Business Loan "Express"

Product Charges

Rate of  Return:                                                                            

First: For customers who are subject to the instructions of the Central Bank of Egypt
• 5% (decreasing interest) for service and industrial activities
Second: For customers who are not subject to the conditions of the Central Bank of Egypt initiative
• A competitive interest rate is applied to commercial activities.

 

Product Benefits

- Grants within 5 working days from the date of completing the documents, while reducing the number of required documents to 5 basic documents to speed up and facilitate procedures for the client. 
- Financing all types of individual establishments and companies of persons in all activities, whether industrial, commercial or service, whose sales range from one million pounds to less than 50 million pounds.
- The loan amount ranges from EGP 100,000 to EGP 2 million to finance existing activities
- Loan term:
First: Working capital only (maximum 3 years) 36 months without a grace period.
Second: Machines and equipment only (maximum 5 years) 60 months including a grace period of maximum 3 months.
Third: Machines and equipment + working capital (maximum 4 years) 48 months including a grace period, maximum 3 months.

Additional Product Data

Financing percentages:
Up to 80% for machinery and equipment
Up to 100% for working capital

Required Documents

Recent transcript from the commercial registry
Financial statement for at least the last year
Taxation or insurance status
National ID of enterprise owner / partners if "companies"
Tax card
Articles of incorporation or the latest amendment in the case of "companies"
Supplier records (at least 2 suppliers) or quotations in the case of financing machinery

 

Loan product for financing POS and QR Code Merchants

Product Name

Loan product for financing POS and QR Code Merchants

Product Charges

First: For customers who are subject to the instructions of the Central Bank of Egypt
5% decreasing interest (an initiative of the Central Bank of Egypt) for service and industrial activities.
Second: For customers who are not subject to the conditions of the Central Bank of Egypt
A competitive interest rate applies to commercial activities.

Product Benefits

 Medium-term loans to finance working capital for existing activities in existing small projects, whether they are individual establishments or people’s companies and money companies, and the annual sales volume ranges from (one million to less than 50 million pounds).      
This applies to: our bank’s clients who are merchants of electronic point of sale machines POS and QR Codes, which have been contracted with them by our bank for 6 months or more.
In addition to clients of POS electronic point-of-sale machines merchants at other banks, who have a contract for at least one year.
The following applies to clients of both groups:
- The minimum loan amount is EGP 100 thousand and the maximum is EGP 3 million.
- Guarantees the cash flows received from the activity through the electronic point of sale machine POS which is operated by our bank or contracted by other banks, in addition to the cash flows from the QR code
- The maximum loan term is three years (36 months) and the minimum period is (12 months) without a grace period.

Additional Product Data

Financing percentages:
Financing needs are calculated in light of cash flows generated by POS device; whether inside our Bank or at other banks. 

Required Documents

 Recent transcript from the commercial registry
Copy of tax card.
Copy of activity license (temporary, final, under issuance or not subject to license)
Taxation and insurance status
Copy of the project location’s ownership deed or lease contract
Budgets since start of activity or a maximum of the last three budgets for existing companies
Copy of articles of incorporation and amendments thereof (for individual or finance companies)

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