Soft Loan Schemes. (5) Al Ahly for Financing Small Industrial Enterprises Purpose: finance small industrial enterprises, where total

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1 Soft Loan Schemes (1) PETE Waste Recycling Finance Scheme Purpose: finance the investment costs of PETE recycling enterprises which fully depend on PETE waste as a raw material to be recycled or utilize PETE waste as a partial component permitted in manufacturing plastic which is used in normal purposes, through financing the new machinery purchased by the customer. Eligible enterprises: all existing enterprises operating in plastic manufacturing/ recycling for a minimum of three years. (2) The Spanish Credit Line Purpose: finance the purchase of Spanish-made machinery and equipment. Local and/or non-spanish components are permitted up to 45% maximum provided that the transaction takes place directly through a Spanish supplier. Eligible enterprises: all new and existing SMEs with maximum revenues of EUR 50 MM and maximum number employees 250 according to EU s definition. (3) The European Investment Bank (EIB) Loan Purpose: finance the investment costs of new or existing enterprises (new and used machinery). Repayment & grace periods: according to cash flows ranging between 4 : 10 years including a 3-year grace period. (4) Al Ahly for Financing POS Merchants Purpose: assist merchants to develop their business through providing them with finance against the POS sale proceeds. Eligible segments: current/ new merchants having/ applying for POS from our Bank. Facility type: overdraft loan which is annually renewable and replenished by POS sale proceeds. (5) Al Ahly for Financing Small Industrial Enterprises Purpose: finance small industrial enterprises, where total

2 investment cost is below EGP 10 MM and annual revenue is below EGP 15 MM. Repayment period: up to 7 years. (6) Al Ahly Integrated Small-Enterprise Development Scheme Purpose: co-finance the purchase of machinery, equipment, vehicles, fixtures & finishing and the working capital. Eligible enterprises: all small enterprises whether soleproprietorships or companies operating in economic fields. (7) Al Ahly for School Books Printing Purpose: co-finance costs of supply orders of school books printing, which are assigned by the Ministry of Education. Eligible enterprises: printing houses assigned by the Ministry of Education for supplying orders of school books. (8) Al Ahly for IT Enterprises Purpose: co-finance the current and investment finance needs for SMEs operating in the IT industry in cooperation with the Information Technology Industry Development Agency (ITIDA). Repayment & grace periods: up to 4 years including a 1-year grace period. (9) Al Ahly for Financing Furniture Projects in Damietta in Cooperation with the Industry Modernization Center (IMC) Purpose: finance working capital and investment expenses of furniture workshop owners in Damietta (co-finance the purchase of machinery, equipment, initial working capital cycle (WCC) costs, and the enterprise's WCC costs). (10) Agricultural Development Scheme Purpose: finance all agricultural projects, especially small farmers (through cooperatives), sole proprietorships and companies to establish, expand or develop their businesses. Eligible enterprises: enterprises operating in the field of livestock, dairy products, fish farming, horticulture, poultry, irrigation, and field drainage; in addition to funding investments and operation processes for production, manufacturing, storage, transport,

3 distribution and marketing. Repayment & grace periods: up to five years including a one-year grace period. (11) Veterinary Services Scheme Purpose: finance enterprises of veterinary drug production and packaging, animal treatment, fodder manufacturing, veterinarian clinics and hospitals, veterinarian drug exhibitions, artificial insemination, veterinarian diagnostic laboratories, livestock fattening farms, milk production, poultry farms (fattening egg production), hatcheries, farms of camels, fish, rabbits, apiaries, and slaughterhouses. Eligible segments: companies, cooperatives, veterinarians (whether employed or non-employed in governmental bodies / public sector) Repayment period: up to five years with a grace period of 24 months maximum as per the loan term. (12) Livestock Breeding Finance Scheme Purpose: finance private-sector enterprises, in particular, small farmers, sole proprietorships, companies and agricultural cooperatives in order to establish, expand or develop livestock farms with the objective of lactation or fattening and co-finance the cost of livestock feeding. (13) Poultry Feeds Production Finance Scheme Purpose: finance new or existing enterprises for producing poultry feeds of all types through financing working capital of such enterprises. Eligible enterprises: 1) New enterprises: equipped with production line and silo to conduct business, where part of the initial working capital cycle costs are co-financed. 2) Existing enterprises: operating since one year at least where 50% of operating cycle cost is co-financed.

4 (14) Fruit & Vegetable Processing Plants Purpose: finance working capital cycle costs for enterprises of fruit and vegetable processing including sorting, packaging and freezing (focusing on grape crop) Eligible enterprises: new and existing enterprises operating in the fields of fruit and vegetable processing (sorting, packaging and freezing). (15) Finance Scheme for the Units Allocated under "Your Licensed Factory is Ready" Initiative Purpose: co-finance investment costs for enterprises approved in industrial clusters (value of the unit allocated by the Industrial Development Authority (IDA) and value of fixtures, machinery, equipment and working capital) under the "Your Licensed Factory is Ready" initiative. Eligible enterprises: the enterprises for which IDA allocates industrial units with full utilities to be used in establishing and operating the businesses approved in industrial clusters. (16) Finance Scheme for Dairy Products Enterprises (White Cheese) Purpose: finance working capital cycle costs of new and existing enterprises manufacturing dairy products (white cheese) Finance per productive unit: finance the working capital costs (3- month operating cycle) New enterprises: finance the initial operating cycle (investment finance) to be repaid in monthly installments over 5 years maximum and finance 50% of the operating cycle costs. Existing enterprises: finance the operating cycle via an overdraft. (17) Furniture Manufacturer in Kotamaa Village, Basyoun, El Gharbia Purpose: provide finance needs for the existing or new furniture

5 manufacturing enterprises in Kotamaa Village and support furniture industry. Eligible enterprises: new or existing enterprises manufacturing furniture in Kotamaa Village. Utilization: finance working capital cycle costs via an overdraft for a one-month operating cycle. (18) Shak El-Thoban Granite Workshops and Factories Purpose: finance granite workshops and factories located in Shak El-Thoban and legalize their status in line with the state's directives. Finance purposes: - Finance the purchase of machinery, equipment, constructions, expansions and fixtures - Finance the working capital - Finance the registration fees required to legalize the status of the industrial lands on which the workshops and factories are built (to be determined according to the letter issued by Cairo Governorate) Terms and conditions apply.