Small & Medium Enterprise (SME) plays a pivotal role in the economic growth and development of Bangladesh. Actually, SME works as the platform for job creation, income generation, and development of forward and backward industrial linkages and fulfillment of local social needs. SMEs occupy a unique position in the economy of Bangladesh. Mainly private sector development depends on them. Yet they find it difficult to convince Banks and Financial Institution due to high costs entailed in granting loans and the risks to which lenders are exposed. Considering above, meeting their requirement we customize our facility into SME loan facility. We offer different types of SME loan products by customizing different customer which is given below:

  • Joita (Nari Uddokta Rin)


    Focus Group Woman Entrepreneurs
    Loan Ceiling As per business requirements & BB Guideline
    Rate of Interest 9.00% p.a for Tk. 5.00 lacs to 50.00 lacs;
    above 50.00 lacs interest rate would be to CVCFL standard rate.
    Repayment Term  EMI facility 12 months to 60 months;
    Single Installment loan facility 3 months to 12 months
    Purpose of Finance  Working capital finance
    Fixed assets purchase
    Both working capital & fixed assets purchase
    Premises of existing business (as new branch)
    Existing business renovation & expansion
    Refinancing Yes
  • CVCFL Bunon (Shilpo Rin)


    Focus Group Micro, Small and medium sized manufacturing concern
    Loan Ceiling

    As per business requirements & BB Guideline

    Rate of Interest Midrate: 14.50 % p.a ± 2.5 % 
    Repayment Term  EMI facility 12 months to 60 months;
    Single Installment loan facility 3 months to 12 months
    Purpose of Finance  Working capital finance
    Fixed assets purchase
    Both working capital & fixed assets purchase
    Premises of existing business (as new branch)
    Existing business renovation & expansion(BMRE)
    Refinancing No
  • CVCFL Duranta Goti


    Focus Group

    Small and medium sized trading, Manufacturing& service concern

    Loan Ceiling

    As per business requirements & BB Guideline

    Rate of Interest Midrate: 14.50 % p.a ± 2.5 % 
    Repayment Term 

    EMI facility 12 months to 60 months

    Purpose of Finance 

    Lease/ Sale and lease back facility for business vehicles

    Refinancing No
  • Health Aid (Chikitsha Rin)


    Focus Group

    Small and Medium sized Hospital, Clinic & Diagnostic Center.

    Loan Ceiling

    As per business requirements & BB Guideline

    Rate of Interest Midrate: 14.50 % p.a ± 2.5 %
    Repayment Term  EMI facility 12 months to 60 months;
    Single Installment loan facility 3 months to 12 months
    Purpose of Finance  Working capital finance
    Fixed assets purchase
    Both working capital & fixed assets purchase
    Premises of existing business (as new branch)
    Existing business renovation & expansion (BMRE)
    Refinancing No
  • Crop Care ( Krisi Rin)


    Focus Group

    Micro, Small and Medium sized Agriculture & Agro-based Industry.

    Loan Ceiling

    As per business requirements & BB Guideline

    Rate of Interest 10.00% p.a (If the concern does not avail refinance facility from Bangladesh bank then the rate would be CVCFL standard rate)
    Repayment Term  EMI facility 12 months to 60 months;
    Single Installment loan facility 3 months to 12 months
    Purpose of Finance  Working capital finance
    Fixed assets purchase
    Both working capital & fixed assets purchase
    Premises of existing business (as new branch)
    Existing business renovation & expansion
    Refinancing Yes
  • CVCFL Swapnil


    Focus Group

    Cottage, Micro, Small and medium sized trading & service concern

    Loan Ceiling

    As per business requirements & BB Guideline

    Rate of Interest

    Midrate: 14.50 % p.a ± 2.5 % 

    Repayment Term  EMI facility 12 months to 60 months;
    Single Installment loan facility 3 months to 12 months
    Purpose of Finance  Working capital finance
    Fixed assets purchase
    Both working capital & fixed assets purchase
    Premises of existing business (as new branch)
    Existing business renovation & expansion
    Refinancing No
  • Thikana


    Finance for purchasing business premises as well as home/apartment surrounding existing business location.


    Focus Group

    Small and medium sized trading, manufacturing& service concern

    Loan Ceiling

    As per business requirements & BB Guideline

    Rate of Interest

    Midrate: 14.50 % p.a ± 2.5 % 

    Repayment Term 

    EMI facility 12 months to 60 months

    Refinancing No

    Purpose

      • To buy a new/used commercial space or apartment
      • To renovate existing apartment or commercial space
      • Existing loan payoff/ loan takeover.

    Security

    • Proposed property and/or any property acceptable to CVCFL may be taken as collateral

    Eligibility

    Business experience: Minimum 2 year experience in the same line of business supported by Trade License, Rental deed or rental receipt

    Age: Minimum 21 years & maximum 60 years

    Loan Amount: Loan amount up to BDT 10.0 million

    Income: Minimum BDT 100,000/- per month (Including other source of income)

  • Pathsala


    To assist the Schools and other education institutions in capacity building through infrastructure improvements, thereby enabling students to access quality education

    Eligibility

    Well established Educational Institutions with regular source of income and good reputation and recognized by the govt/board/university for purchase of land, for expansion, renovation/extension of building, purchase of computer/laboratory equipment etc.

    Security

    Hypo/mortgage of assets created from bank funds, Personal guarantee of the promoter, fixed charge on the land and building of the institution/guarantor, Assignment of grant payable by the relevant authority.

    Rate of Interest            : Midrate: 14.50 % p.a ± 2.5 % 
    Repayment Term          :EMI facility 12 months to 60 months;
                                             Single Installment loan facility 3 months 12 months
    Refinancing                   :No

    Purpose of Loan

    • Purchase of Land & Building for School/Colleges.
    • Construction of Building.
    • Renovation of Building and existing infrastructure.
    • Purchase of Furniture & Equipment.
    • Purchase of Hardware and Software contents.
    • Balance transfer of your existing loan liabilities.

    Eligibility

    • Unaided/Recognized by State or Central Education Board.
    • Affiliation to universities.
    • Existing Schools/Colleges.
    • Minimum student enrolment of 250.
    • Strong operational income and Committed Management.
    • Good repayment track of existing loans (if any).
  • Fees, Charges & Rates

  • Contacts

    Md. Kohinoor Hossain

    Senior Assistant Vice President
      Email: sme@cvcflbd.com
      Phone: +880 (2) 98200756 Ext 207
      Fax :880 (2) 9822027