Best Business/SME Loan Rates for Date in Nepal

Unlock the Best Business Loan Options in Nepal – Tailored Rates, Hassle-Free Comparison, and Expert Guidance!

Business/SME Loan

ICFC Finance Limited

Bankrate Nepal Review

Interest Rate(P.A) As of July 3

8.14% - 12.14%8.14% - 12.14%8.14% - 12.14%

Processing Fee

N.AN.AN.A

Tenure

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Sme Loan

Features

Easy loan process and attractive interest rates
Loan can be availed upto Rs. 2 crore
90% Loan of one’s mortgage can be provided
Fixed capital loan can be paid until 15 years time period
Loan facility can be taken at different branches of ICFC

Business/SME Loan

Jyoti Bikash Bank LImited

Bankrate Nepal Review

Interest Rate(P.A) As of July 3

7.27% - 12.27%7.27% - 12.27%7.27% - 12.27%

Processing Fee

N.AN.AN.A

Tenure

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MSME loan

Micro, Small, and Medium Enterprises (MSMEs) serve as the backbone of the Nepalese e…

Real Estate Loan

Working Capital Loan

The Working Capital Loan products are meticulously crafted to provide flexible and c…

Business/SME Loan

Kamana Sewa Bikash Bank Limited

Bankrate Nepal Review

Interest Rate(P.A) As of July 3

7.30% - 12.30%7.30% - 12.30%

Processing Fee

N.AN.A

Tenure

Business Loan

Business loan product is promoted for financing the requirement of business more than NPR 30 Million. The primary target group would be businesses involved in manufacturing, trading & services sectors.

Purpose:

To finance the working capital, capital expenditure requirements including refinancing of equity, project financing, consortium loan and any other business requirement.

Features

Facilities Type: Overdraft Loan/ Term Loan/ Demand Loan/CAPEX and Short Term Loan.
Loan Amount: Above Rs 30 Million.
LTV: Up to 85% of FMV of real estate collateral.
Tenure: 15 years (Core Working Capital & Fixed Assets).
Overdraft: 1 year revolving basis.
Demand Loan: 1 year payable on maturity.
Short Term Loan: Max 120 days or working capital cycle whichever is lower.
Capital Expenditure Financing:
- Maximum up to 80% of cost of assets as per tax invoice-In case of New Assets Financing
- Maximum up to 80% of book value * as per latest audit/provisional report.

Required Documents

Loan Application
Audited and 3 years projected Financial Report.
Copy of Firm/ PAN/ VAT Registration Certificate, Partnership Deed, Latest Tax Clearance Certificate.
MOA/ AOA (If Any).
Company’s Profile
Board Resolution for opening A/C, Availing Loan, Delegation of Authority (If any).
Copy of citizenship and 1 copy of PP size photograph of all directors.
Project Proposal (If any).
Profile (Biodata) of the Directors/ Shareholders.
Documents related to fixed assets security (i.e. Lal Purja, Tiro Rashid, etc).
Bank Statement.
Detail report of Stocks, Account Receivables, Account Payables, Goods in Transit, Sales, Purchase etc.
If Directors/ Shareholders are involved in other company details of the company.
List of major Suppliers/ Buyers.
Main products of the unit/ Firm/ Industry/ Company

Business/SME Loan

Karnali Development Bank Limited

Bankrate Nepal Review

Interest Rate(P.A) As of July 3

11.47% - 16.47%

Processing Fee

N.A

Tenure

Industrial Loan

Industrial Loan

Industrial Loan is for Business Corporation, commercial enterprise, factory or industry. This will assist to creation, expansion and modernization at industrial and private sector encourage to inflow and participation of capital from different sector.
Interest rate @Base Rate+Premium Rate(2-5%)

Features:

Customers can pay their installment in quarterly basis or in monthly basis as per their requirement and request.
The time period of loan could be 1 year – 5 year.
Customers can borrow maximum 50% of valuation amount.

Fees:

Upto 1.00% service charge on sanction amount will be charged to the customer.

Business/SME Loan

Krishi Bikash Bank Limited

Bankrate Nepal Review

Interest Rate(P.A) As of July 3

6.03% - 9.03%6.03% - 8.03%6.03% - 9.03%6.03% - 11.03%6.03% - 9.03%6.03% - 8.03%6.03% - 7.03%6.03% - 7.03%6.03% - 7.03%

Processing Fee

N.AN.AN.AN.AN.AN.AN.AN.AN.A

Tenure

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Business Loan

कर्जा ग्राहक :

सम्बन्धित निकायमा दर्ता भई नियमित नवीकरण भएका व्यापार व्यवसाय गर्न ईजाजतपत्र लिएका कर्जा पाउनयोग्य व्यक्तिगत फर्म/सांझेदारी फर्म/कम्पनी |

अधिकतम कर्जा सीमा, अवधि र प्रकृति :

स्टक/मौज्दात, लिनुपर्ने हिसाब (Debtors/आसामी) खाता, तिर्नुपर्ने हिसाब (Creditors/साहु) खाताको आधारमा परियोजनाको सम्भाव्यताको विश्लेषण गरी आवश्यक पर्ने चालु पुँजीको अधिकतम ८० प्रतिशतसम्म |

धितो सुरक्षण :

घर जग्गा तथा Stock, Account Receivable/Debtors र व्यक्तिगत जमानत |

Business/SME Loan

Kumari Bank Limited

Bankrate Nepal Review

Interest Rate(P.A) As of July 3

6.74% - 8.74%7.24% - 9.24%8.24% - 10.24%9.59% - 9.59%

Processing Fee

N.AN.AN.AN.A

Tenure

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N.A

Business/SME Loan

Laxmi Sunrise Bank Limited

Bankrate Nepal Review

Interest Rate(P.A) As of July 3

6.59% - 9.59%7.59% - 10.09%7.37% - 11.37%

Processing Fee

N.AN.AN.A

Tenure

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Sana Byawasai Karja

Laxmi Sunrise Sana Byawasai Karja helps aspiring entrepreneurs grow their businesses in all markets across the country – urban, semi-urban, and remote. This loan is devised for small size business, and it is also convenient for startups that are less than a year old!Sana Byawasai Karja from Laxmi Sunrise can help you achieve your dreams of taking your cottage industries and startups to the next level. This loan is extended to finance all expenses related to:

Capital Expenditure:
- Fixed Assets
- Vehicles
Working Capitals:
- Overdraft
- Short Term Loan
- Mid Term Loan
- Trust receipt & Other Invoice Financing

You can either apply online or walk into any of our branches near you.

Why should you choose Laxmi Sunrise?

Term Loan up to 10 years

Up to 80% financing

Fixed Assets financing up to 75% of FMV

Financing Terms & Conditions
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Financing Terms & Conditions

Small Business Enterprises

Max loan amount: NPR 30 Mio
Max loan tenure: 10 years

- Loan extension
  - Overdraft facility up to 70% of Net Trading Asset
  - Debt Service Coverage Ratio: 1.35:1 or better
  - FMV = 1:1 & (0.90:1 In case of Overdraft Only)
  - Minimum 5% for Bid Bond / Performance Bond

Startups

Max loan amount: NPR 20 Mio
Max loan tenure: 10 years

Loan extension
- Overdraft facility up to 70% of Net Trading Asset
- Debt Service Coverage Ratio: 1.35:1 or better
- FMV = 1:1 & (0.90:1 In case of Overdraft Only)
- Minimum 5% for Bid Bond / Performance Bond

Business/SME Loan

Lumbini Bikash Bank Limited

Bankrate Nepal Review

2.5

Interest Rate(P.A) As of July 3

7.37% - 11.37%7.37% - 11.37%

Processing Fee

N.AN.A

Tenure

Business Plus Loan

For small-scale business enterprises in order to meet working capital requirement/capital expenditure.

Target Group

Small and medium scale business like wholesaler & retailers, cottage, small and medium manufacturing/processing/service units, exports, imports, civil contractors, contract suppliers/ manufacturers, workshops, fabricators, educational institutions, service contractors, consultancy, medical and health service providers, tour & travel business, self-employed business, service, sector business, organized commercial, farming, agriculture, floriculture, horticulture, herb culture, carpet, pashmina manufacturers, traders, boutique, beauty-parlor, handicraft business, training institute, manpower agencies, printing press, food processing including diary, brick manufacturing, etc and any other business as deemed fit.

Business/SME Loan

Machhapuchhre Bank Limited

Bankrate Nepal Review

Interest Rate(P.A) As of July 3

7.35% - 9.35%

Processing Fee

N.A

Tenure

SME Loan

SME Loan facilitates small enterprises (formally registered with concerned government authorized body) to start or grow their business. This loan product is also expected to help create employment opportunities, create access to finance for people engaged in small business, as we believe small enterprise of today will graduate into relatively bigger business tomorrow.

We finance viable business or products; which are already in the market or for new setup of business coming up with new opportunities for market expansion and growth. In detail, we finance;

Retailer
Wholesaler
Dealer
Industry
Service sector and Others

Business/SME Loan

Mahalaxmi Bikash Bank Limited

Bankrate Nepal Review

2.5

Interest Rate(P.A) As of July 3

7.06% - 10.81%7.06% - 10.81%

Processing Fee

N.AN.A

Tenure

Mahalaxmi Udhamshil Loan

Business Banking (Loans)

Mahalaxmi Uddhyamshil Karja is the loan product that is crafted to encourage youths to actively involve in nation building through involvement in entrepreneurship.

Purposes of Loan:

• Asset Financing
• NTA Financing
• Advance Financing (Your Plan and Our financing)
• Non-Funded/ Trade based facilities

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