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Options et fournisseurs de financement

Total results: 52

Nom de l'installation Sort fournisseur objectif Maximum Sort Admissibilité de l'entreprise Documentation minimale requise Collecte / Remboursement (mois) Sort
Favourite SAFI GROUP LOAN PRODUCT (CB - 1)
Vision Fund Rwanda (VFR)

Safi product is targeting Self help groups and Voluntary Savings and Loan Association (VSLA's) in the deep rural areas. We partner with NGO’S who link their Savings Groups with VFR to access higher loans.

Voir plus
500 000 KES
  • Matured groups after 12months of formation
  • Repayment frequency:Monthly
  • Recomemded by an NGO / Facilitating Agency / Local Authority
Voir plus
  • ID cards,
  • Group constitution,
  • Recommendation from cell phone company
Voir plus
6
Favourite EGF WINDOW 1 -Investment Catalyst Facility
Development Bank of Rwanda (BRD) Plc.

Encourage private sector investment in export oriented production in order to increase availability of goods and services for export.

Voir plus
1 KES Billion
  • Business for export
Voir plus
  • Business plan and loan application letter;
  • Feasibility study (where applicable);
  • Financial report for past three years (existing projects);
  • Land title/emphyteutic lease of the project site and securities;
  • Bill of quantities of constructions (hard and soft copy) + Perspective (if any);
  • Plans of constructions with District stamp (if any);
  • Valuation report of securities done by (person recognized by RDB + certified by IPRV);
  • Pro-forma invoice of equipment, raw material and materials to be bought; (if any)
  • Copies of contracts with service providers related to required financing (if any);
  • Rwanda Environment Management Authority (REMA) certificate;
  • Rwanda Revenue Authority (RRA) certificate;
  • Rwanda Bureau of Standards (RBS) certificate;
  • ID of owner or company/Cooperative registration certificate;
  • Promoter's contribution of at least 30% of the total cost of the project;
  • Payment of service commission (1% of the Loan + VAT).


Voir plus
10
Favourite Housing and Infrastructure
Development Bank of Rwanda (BRD) Plc.

All housing and infrastructure projects implemented by the Development Bank of Rwanda (BRD) Plc. The aim of financing this sector is to expand access to housing, boost the services and innovation sector and support capital market

Voir plus
  • Business in Housing
Voir plus
  • Loan application letter along with a strong business plan
  • Financial report and bank statements for past three years,
  • ID of owner or company/cooperative registration certificate;
  • Promoter's contribution of at least 30% of the total cost of the project;
  • Bill of quantities of constructions (and soft copy) and perspective (if any);
  • Plans of constructions with District stamp (if any);
  • Valuation report of securities done by (person recognized by RDB and certified by IPRV);
  • Pro-forma invoice of equipment, raw material and materials to be bought; (if any)
  • REMA certificate with recommendations;
  • RRA and RSSB certificates;
  • RBS certificate;
  • All relevant authorizations in relation to the project to be financed;
  • Payment of nonrefundable service commission (1% of the Loan + VAT);
  • Land title/emphyteutic lease of the project site and securities;


Voir plus
10
Favourite Energy_Ref credit lines to saccos (window 1)
Development Bank of Rwanda (BRD) Plc.

BRD’s role is to insure efficiently the disbursement of loans and bursaries within Rwanda and abroad and enforce recovery of the loans. This service concerns both undergraduate students, postgraduate students and matured loans (income generating/employed loanees)

Voir plus
  • Only loans for energy
Voir plus
  • Compliance with prudential regulations
  • Adequate organization and governance
  • Capital adequacy –
  • Adequate profitability
  • Adequate liquidity –
  • Adequate credit portfolio structure and portfolio quality –
  • Adequate internal controls, overseen by Audit Committee –
  • Adequate accounting and book keeping and MIS system,
  • Appropriate Implementation Capacity


Voir plus
10
Favourite Contract Financing Facility
Compagnie Générale de Banque (COGEBANQUE Plc)

Facility enables customers to execute purchase orders or contracts. The bank finances up to 70% of the cost of the order/contract, excluding advance payments where applicable.

Voir plus
  • Existing business with signed contract to supply goods and services
  • To accept the payment of contract services into the customer’s designated account in Cogebanque
Voir plus
  • Application letter
  • Copy of original contract to supply goods or services,
  • Account in Cogebanque


Voir plus
12
Compagnie Générale de Banque (COGEBANQUE Plc)

The invoice Discount Facility enables customers to bridge the debtors' gap and continue with their business activitieswhile waiting settlement of invoices

Voir plus
  • Existing business with current on going contract and none settled invoices
Voir plus
  • Application letter
  • ID/TIN
  • Contract
  • Non settled invoices


Voir plus
Compagnie Générale de Banque (COGEBANQUE Plc)

This facility finances the acquisation of business assets, acquisation of another business, and a business expeansion or diversification.

Voir plus
  • Business in operation
Voir plus
  • Application letter
  • ID/TIN


Voir plus
Favourite BDF Agribusiness Financing
Business Development Fund (BDF)

Financing agribusiness

Voir plus
3 000 000 KES
  • Agricultural production with innovation in processing, good packaging, export,… Grant accompanied with loan of 6 million to be paid at 12% and direct equity of 1 million.
Voir plus
  • Proof of agribusiness project owned by a Rwandan citizen
  • Proof that two years were spent after graduation from secondary or university studies
  • Cooperative or company registration proof
  • Proof that project is at start-up stage with less than one year of existence
  • Proof that the project is under combined production and agri-business or agro-processing
  • Proof of 10% of total project value owned by owner of the business


Voir plus
5
Banque Populaire du Rwanda (Part of Atlas Mara)

An advance on contract facility is offered in FRW by the Bank to enable its customers to execute purchase orders or contracts. Up to 70% of the cost of the order/contract.

Voir plus
  • The source of repayment of an advance on contract facility is the proceeds from the purchase order/contract.
  • The facility will be settled upon receipt of funds. In the event that there are no funds on repayment due date, the RM must immediately take action.
  • In all cases a second way out must be provided in the form of acceptance and easily realizable security.


Voir plus
  • Facility letter signed by the customer to confirm his acceptance of the terms of the bank’s offer.
  • Original purchase order/contract from the buyer.
  • Identification proof


Voir plus
6
Favourite Equipment or Business Vehicle Loans
Banque Populaire du Rwanda (Part of Atlas Mara)

An Equipment or Business vehicle loan is a fixed contract with the customer to finance a known need with a fixed repayment schedule. The equipment or vehicle to be financed must be directly used in the business and should ideally be new. Used equipment or vehicle may be considered only where evidence (through the internal Engineer) can be produced to certify the condition of the equipment or vehicle and its expected working life.


Voir plus
  • Businesses must be established and be able to show profitable trading results over two years at least.
  • Start - ups can be considered by exercising extreme caution based on reliable and tested cash flows projections.
  • The primary source of repayment of the loan is the cash flow from the business’s activity. Borrowers must present cash flow forecasts and preferably balance sheet projections for the entire period of the loan’s tenor. These must demonstrate that the cash generation of the business is positive and will enable the loan to be repaid over the loan period with a reasonable margin for error.
  • Repayments will normally be evenly spread over the life of the loan with monthly repayments of principal and interest. In special circumstances and as may be dictated by the business cycle, repayments can be made quarterly, semiannual and annual as the case may be.
  • In all cases a second way out must be provided in the form of tangible security. This may include the following:
  • A registered mortgage over commercial or residential property.
  • An undertaking to mortgage over commercial or residential property pending receipt of title deeds for buildings under construction.
  • A charge over the operating assets of the business for the full amount of the limit extended where a loan is extended along with working capital finance. A list of current assets at the time of disbursement and specific fixed assets financed by term loan must be attached to the charge document.
  • A fixed charge over the equipment/vehicle to be financed.
  • Insurance must be taken over the property/equipment/vehicle/stock showing the bank as loss payee.
  • If the equipment/vehicle is used for private purpose this must be disclosed at the onset and the bank must ensure that there are sufficient cash flows to repay the facility. This should be only applicable for sole proprietors and partnerships.
  • Pro-forma invoices must be available to confirm the cost of the equipment. Wherever possible it should be supplied through a distributor who is able to offer after-sales service or maintenance facilities, or at least the source of repair or maintenance facilities should be certain and practical.
  • Direct disbursement to suppliers should be considered where possible.
  • A grace period not exceeding six months may be appropriate if equipment is imported and/or has an extended installation period. If this is the case, the RM must justify the delay in payments commencing in the credit application file and must monitor specifically that the expected delays are not exceeded.
Voir plus
  • Facility letter signed by the customer to confirm their acceptance of the terms of the bank’s offer
  • For a company :
  • Copy of the company’s certified statutes and Copy of the certificate of registration.
  • Resolution by the Board of the company authorizing the company to borrow from the bank
  • Check the covenants
  • For partnerships:
  • All documents must be aligned with partners’ deed.
  • For sole traders:
  • Copy of the certificate of registration o Tax certificate
  • Insurance
  • Security documentation appropriate for the security concerned as per the Credit Policy checklist.
  • A copy of latest tax clearance certificates otherwise the current account with RRA.


Voir plus
4
Banque Populaire du Rwanda (Part of Atlas Mara)

To finance fully fluctuating working assets of a business, mainly stocks and trade debtors and not intended to finance permanent working capital, business expenses nor any form of long term assets.

Voir plus
  • Verifiable net operating cash flow (averaged over 2 years) equal to or greater than (4) times the size of the proposed overdraft limit.
  • Tangible and readily realizable security in one or more of the following forms: a. Charge over the operating assets of the business for the full amount of the limit; b. Goods in transit being shipped to the order of the bank (bills of lading made out to the order of the Bank); c. Pledge of specific stocks under the control of the bank in a bonded warehouse; d. A full set of Bills of Lading with BPR endorsed as consignee; e. A registered mortgage over residential or commercial property with a forced sale value (FSV) by an approved valuer of 125% of the limit
  • Fixed charge over fixed assets
  • Set off on deposits held with the Bank
  • Bank guarantees
  • Negotiable instruments with acceptable liquidity such as Bonds, Repos etc.
  • All security is required to be fully insured in sufficient amount to repay BPR, with BPR as the named loss payee. Current insurance policies from acceptable insurers to be held.
  • Overdrafts are high risk credit products and their use should be restricted to situations where other short term credit products are inappropriate or unworkable
  • Businesses that demonstrate good current account credit turnover (banking) or businesses that hold relatively high levels of stocks and debtors evidenced by periodic reports. In all cases, the account must record fluctuation of at least 50% of the facility amount per quarter.
  • A minimum of Rwf 5 Mio should be allowed.



Voir plus
  • Facility letter signed by the customer to confirm his acceptance of the terms of the bank’s offer
  • Signature by the borrower to the Bank’s Standard Terms and Conditions for Credit Facilities
  • Overdraft agreement on the bank’s standard form setting out the conditions for conduct of the overdraft.
  • For a company:
  • Copy of the company’s certified statutes and Copy of the certificate of registration.
  • Resolution by the Board of the company authorizing the company to borrow from the bank We should check for any negative covenants
  • For partnerships:
  • All documents must be aligned with partners’ deed and signed in accordance with the powers stated in the partnership deed.
  • For sole traders:
  • Copy of the certificate of registration must be obtained.
  • Tax clearance certificates
  • Adequate Insurance
  • Security documentation appropriate for the security concerned as per the Credit Policy checklist.
  • A copy of latest tax clearance certificates otherwise the current account with RRA.
  • List and ageing of debtors and creditors (if applicable)


Voir plus
12
Unguka Bank Plc

Fully secured working capital loan to entrepreneurs with active businesses to all Rwandan registered companies and individuals

Voir plus
  • Existing business


Voir plus
  • Application letter.
  • Project description (customer needs statement) - Financial statement certified.
  • Company Registration Certificate/ID copy of the applicant and his guarantor.
  • Legal status certificate.
  • RRA Tax Clearance Certificate.
  • Valuation report of collateral (done by a valuer which has a partnership with UNGUKA Bank Ltd).
  • Collateral title (land, factory, car etc) and movable security documents.
  • Act of lending property if the collateral doesn’t belong to the borrower.
  • Life insurance is mandatory for individuals.
  • Fire insurance for house and comprehensive insurance for car (applicable for loan beyond 3 Million).
  • Notified Board resolution for companies.
  • Bank statements for the last 6 months (if account held with another financial institution).


Voir plus
48
Unguka Bank Plc

Short term loan from 1 to maximum 12 months which is granted to business customers having procurement contract

Voir plus
500 000 000 KES
  • Open account in UB
  • Procurement contract, sub-contract or Purchase Order
  • 20% of customer contribution
  • Experience in business or in tender execution
Voir plus
  • Application letter
  • Payment domiciliation in UB
  • Company Registration Certificate/ID copy of the applicant and his guarantor
  • Procurement Contract, Sub-Contract or Purchase Order
  • Legal status certificate
  • RRA Tax Clearance Certificate
  • Valuation report of the collateral (done by a valuer, which has a partnership with UNGUKA Bank
Voir plus
12
Unguka Bank Plc

Full secured loan by discounting the invoices that have extended maturity dates to enable our clients to overcome their cash flow shortage -. Maximum 80% of invoice value

Voir plus
  • Open account in UB
  • Procurement contract, sub-contract or Purchase Order
  • 20% of customer contribution
  • Experience in business or in tender execution
Voir plus
  • The invoice has to be paid through your UB account
  • Automatic deduction from your account once in voice payment is made
  • Loan Payment period is equal to the invoice maturity
  • Finance of up to 80% of invoice proceeds
  • 5 days Maximum processing period
Voir plus
Unguka Bank Plc

An overdraft loan is a lending arrangement on a current account that permit the customer to over withdraw on current account up to the specific limit with a specific expiry date

Voir plus
500 000 000 KES
  • Open account in UB
  • Procurement contract, sub-contract or Purchase Order
  • 20% of customer contribution
  • Experience in business or in tender execution
Voir plus
  • Project description (customer needs statement)
  • Application letter
  • Company Registration Certificate/ID copy of the applicant and his guarantor
  • Legal status certificate - RRA Tax Clearance Certificate
  • Valuation report of collateral (done by a valuer who has a partnership with UNGUKA Ban
Voir plus
3
Unguka Bank Plc

Fully secured seasonal agriculture loan granted to the potato farmers

Voir plus
  • Have an account in UB - Having potato farming experience - Owning or renting the land
Voir plus
  • Potato farming project (customer needs statement) - Application letter
  • POTATO LOAN 23: - RCA Certificate for cooperative/ID copy of the applicant and his guarantor - Legal status certificate - Valuation report of collateral (done by a valuer, which has a partnership with UNGUKA Bank Ltd) - Collateral title (land, factory, car etc) and movable security documents - Act of lending property if the collateral doesn’t belong to the borrower - Life insurance is mandatory for individuals - Potato insurance is an option - Notified Board resolution for cooperative
Voir plus
12
Favourite BRD Agriculture Financing
Development Bank of Rwanda (BRD) Plc.

Through commercial banks so they can on-lend to smallholder farmer(s) in need of smaller loans than the Bank’s minimum lending limit (Frw 50,000,000) with the aim to improve the national agriculture production and productivity along all priority value chains. Maximum = 25% of the banks net worth at the time of approval.

Voir plus
  • Business in Agriculture
Voir plus
  • Loan application letter along with a strong business plan
  • Financial report and bank statements for past three years,
  • ID of owner or company/cooperative registration certificate;
  • Promoter's contribution of at least 30% of the total cost of the project;
  • Bill of quantities of constructions (and soft copy) and perspective (if any);
  • Plans of constructions with District stamp (if any);
  • Valuation report of securities done by (person recognized by RDB and certified by IPRV);
  • Pro-forma invoice of equipment, raw material and materials to be bought; (if any)
  • REMA certificate with recommendations;
  • RRA and RSSB certificates;
  • RBS certificate;
  • All relevant authorizations in relation to the project to be financed;
  • Payment of nonrefundable service commission (1% of the Loan + VAT);
  • Land title/emphyteutic lease of the project site and securities;


Voir plus
10
Compagnie Générale de Banque (COGEBANQUE Plc)

Gisubizo Loan Express is an unsecured loan that seeks to meet short term financial needs/urgent needs for bank retail customers. Maximum is 15 times net salary.

Voir plus
  • Open
Voir plus
  • Contract of employement
  • Clean Credit Reference Bureau report


Voir plus
5
I&M Bank Rwanda Plc

Financing the working capital for business

Voir plus
  • Business with a need of working capital
Voir plus
  • Application letter from the customer
  • Certificate of business registration/incorporation
  • Memorandum & articles of association (for Corporate and SME)
  • Latest 6 months bank statements (12 months if Business is seasonal in nature)
  • Proforma invoice from the dealer/vendor
  • Latest 3 year financials, tax clearance certificate and cash flow projections. Audited financials are required for higher exposures. (For Corporate and SME)
  • Copies of contract where asset sought is to meet contractual requirements. (For Corporate and SME)


Voir plus
Bank of Kigali Plc

Turn your business goals into reality with Bank of Kigali.

Voir plus
  • Usually based on the cyclical nature of planting and harvesting seasons.
  • There are also large-scale projects that take a longer duration depending on the financing needs that may include process mechanization.
  • A moratorium is normally provided where customer meets the interest payments and repays the loan in bulk on receipt of harvest sales.


Voir plus
  • Application letter
  • Completed application form
  • Copies of valid identification documents
  • Proof of land ownership since it is used as collateral


Voir plus
Bank of Kigali Plc

Turn your business goals into reality with Bank of Kigali.

Voir plus

Open

Voir plus
  • Loan Application Letter
  • Company registration documents
  • Company financials for the last three months
  • A solid business plan in case of a new business
  • Shareholder identification documents
  • Proposed collateral property with valuation report
  • Copy of the title deed for the security, if it is a house or plot


Voir plus
12
Favourite Asset financing product program
Banque Populaire du Rwanda (Part of Atlas Mara)

The proposed Asset Financing Product Program is targeted at SME/Corporate businesses with need to acquire moveable assets (machinery, vehicles, equipment, etc) for commercial use and in order to expand/upgrade or modernize their businesses. Maximum up to 80% financing for the assets.

Voir plus

The asset being financed should be used to improve the capacity of the existing business

Voir plus
  • Loan application letter
  • Proforma Invoice of the trucks/trailers to be financed.
  • Audited financial statements for the last three years
  • Cash flow projections for the next five years
  • Last 12-month bank statement from other banks
  • Details of loans/facilities in other banks
  • RDB certificate
  • Tax Clearance certificate
  • Valuation report of existing collaterals (trucks) to be pledged as collaterals


Voir plus
5
Voir plus
Voir plus
Voir plus
AXON Tunga Microfinance PLC

This product targets mainly active clients particularly women and youth. These are clients who are graduated from the community bank to join the Solidarity group after finishing a certain number of cycles for them to access a high loan amount

Voir plus
1 500 000 KES

Activity in trading

Voir plus
  • Identification Card
Voir plus
12
AXON Tunga Microfinance PLC

Product designed for clients in need of working capital for clients with emergency of money for finance their tenders or any other urgent need justified by the client.

Voir plus
50 000 000 KES

Activity in trading

Voir plus
  • Identification card
Voir plus
6
Unguka Bank Plc

This is a short to medium term loan granted to customers for purchase of moveable capital assets including agricultural equipment

Voir plus
  • Initiated business with equipment needs
Voir plus
  • Application letter.
  • Project description (customer needs statement).
  • Financial statement.
  • Company Registration Certificate/ID copy of the applicant and his guarantor.
  • Legal status certificate.
  • RRA Tax Clearance Certificate.
  • Valuation report of the collateral of 100% of forced value (done by a valuer which has a partnership with UNGUKA Bank Ltd).
  • Collateral title documents.
  • Act of lending property if the collateral doesn’t belong to the borrower.
  • Life insurance is mandatory.
  • Asset insurance.
  • Proforma invoice or Provision sales agreement.
  • Notified Board resolution for companies.
  • Bank statements for the last 6 months (if account held with another financial institution).


Voir plus
5
Favourite URUNANA/ JOIN HANDS GROUP LOAN (CB - 2)
Vision Fund Rwanda (VFR)

Urunana product is offered for Community Banking, basically group of people who have self-selected into groups of min 8 to max 15 individuals. The priority is given to Low income and micro entreprenuers particularly women and youth living inperi - urban and rural areas

Voir plus
900 000 KES
  • Repayment frequency: bi-weekly or monthly
  • Group recomemded / Approved by Local Authority
  • Loans should be used for the given purpose
Voir plus


  • ID cards,
  • Group constitution,
  • Recommendation from cell phone company
Voir plus
6
Favourite EGF WINDOW 2 – Matching Grant Facility- For market-related costs
Development Bank of Rwanda (BRD) Plc.

Encourage firms to enter the export market by reducing the costs to Rwanda Firms when adjusting to standards and other technical requirements in target markets.

Voir plus
98 000 500 KES
  • Business for export
Voir plus
  • Business plan and loan application letter;
  • Feasibility study (where applicable);
  • Financial report for past three years (existing projects);
  • Land title/emphyteutic lease of the project site and securities;
  • Bill of quantities of constructions (hard and soft copy) + Perspective (if any);
  • Plans of constructions with District stamp (if any);
  • Valuation report of securities done by (person recognized by RDB + certified by IPRV);
  • Pro-forma invoice of equipment, raw material and materials to be bought; (if any)
  • Copies of contracts with service providers related to required financing (if any);
  • Rwanda Environment Management Authority (REMA) certificate;
  • Rwanda Revenue Authority (RRA) certificate;
  • Rwanda Bureau of Standards (RBS) certificate;
  • ID of owner or company/Cooperative registration certificate;
  • Promoter's contribution of at least 30% of the total cost of the project;
  • Payment of service commission (1% of the Loan + VAT).


Voir plus
10
Favourite Insurance Premium Financing (IPF)
Compagnie Générale de Banque (COGEBANQUE Plc)

The Insurance Premium Financing (IPF) enables customers finance insurance premiums and get flexible period within which to repay the loan.

Voir plus
  • Existing business with need of insurance premium finance
Voir plus
  • Application letter
  • ID/TIN
  • Proof of neeed of insurance premium


Voir plus
Bank of Kigali Plc

Turn your business goals into reality with Bank of Kigali.

Voir plus

Open

Voir plus
  • Loan Application Letter
  • Company registration documents
  • Company financials for the last three months
  • A solid business plan in case of a new business
  • Shareholder identification documents
  • Proposed collateral property with valuation report
  • Copy of the title deed for the security, if it is a house or plot


Voir plus
3
Favourite Business stock/restocking loans
Bank of Kigali Plc

Turn your business goals into reality with Bank of Kigali.

Voir plus

Open

Voir plus
  • Loan Application Letter
  • Company registration documents
  • Company financials for the last three months
  • A solid business plan in case of a new business
  • Shareholder identification documents
  • Proposed collateral property with valuation report
  • Copy of the title deed for the security, if it is a house or plot


Voir plus
Favourite Business bank guarantees especially for clients in contract management
Bank of Kigali Plc

Turn your business goals into reality with Bank of Kigali.

Voir plus

Open

Voir plus
  • Loan Application Letter
  • Company registration documents
  • Company financials for the last three months
  • A solid business plan in case of a new business
  • Shareholder identification documents
  • Proposed collateral property with valuation report
  • Copy of the title deed for the security, if it is a house or plot


Voir plus
Banque Populaire du Rwanda (Part of Atlas Mara)

A construction loan is a fixed contract with the customer to finance a known need and with a fixed repayment schedule. The need may be for construction of commercial or residential properties.


Voir plus
  • Businesses must be established and be able to show profitable trading results over two years at least.
  • Start-ups can be considered by exercising extreme caution based on reliable and tested cash flows projections.
  • The primary source of repayment of the loan is the cash flow from the business’s current and/or future activity. Borrowers must present cash flow forecasts and preferably balance sheet projections for the entire period of the loan’s tenor. These must demonstrate that the cash generation of the business is positive and will enable the loan to be repaid over the loan period with a reasonable margin for error.
  • Alternative cash flows may be considered.
  • Repayments will normally be evenly spread over the life of the loan with monthly repayments of principal and interest.
  • In special circumstances and as may be dictated by the business cycle, repayments can be quarterly, semi-annual, and annual as the case may be.
  • In all cases a second way out must be provided in the form of tangible security. This may include the following:
  • A registered mortgage over an existing commercial or residential property.
  • An undertaking to mortgage over commercial or residential property pending receipt of title deeds for buildings under construction.
  • For existing businesses, an additional security of a charge over the operating assets of the business may be taken for the full amount of the loan extended (where applicable). A list of current assets at the time of disbursement and specific fixed assets must be attached to the charge document.
  • Insurance must be taken over the property showing the bank as loss payee.
  • Loans for construction of commercial or residential property must be supported by confirmation of planning consent issued by the District concerned.
  • An environmental clearance must also be provided from REMA for all factory premises.


Voir plus
  • Facility letter signed by the customer to confirm their acceptance of the terms of the bank’s offer
  • For a company (LTD):
  • Copy of the company’s certified statutes and Copy of the certificate of registration.
  • Resolution by the Board of the company authorizing the company to borrow from the bank
  • Check the covenants
  • For partnerships:
  • All documents must be aligned with partners’ deed.
  • For sole traders:
  • Copy of the certificate of registration
  • Tax certificate
  • Insurance
  • Security documentation appropriate for the security concerned as per the Credit Policy checklist.
  • A copy of latest tax clearance certificates otherwise the current account with RRA.


Voir plus
7
Favourite Community Bank Group loan
AXON Tunga Microfinance PLC

This product is offered to active clients, particularly women with small businesses who don’t have collateral and they are in need of a working

Voir plus
500 000 KES

Peer guarantee

Voir plus
  • Identification card
Voir plus
12
Unguka Bank Plc

Short term loan allowing the client to continuous withdraw money up to the limit

Voir plus
  • Regular income (from: business, livestock, rent, etc...) - Turnover for 3 months equivalent or greater than the requested credit line amount plus interest
Voir plus
  • Application letter
  • Project description (customer needs statement)
  • Financial statement
  • Company Registration Certificate/ID copy of the applicant and his guarantor
  • Legal status certificate
  • RRA Tax Clearance Certificate - Valuation report of the collateral (done by a valuer which has a partnership with UNGUKA Bank Ltd)
  • Collateral title documents
Voir plus
12
Unguka Bank Plc

Medium and long term facility for acquisition, renovation or construction of residential houses, commercial buildings, schools, medical clinics, etc

Voir plus
500 000 000 KES
  • Open account in UB
  • Regular income (from: salary, business, livestock, rent, etc...)
  • 30 % for other customers
Voir plus
  • Application letter
  • Company Registration Certificate/ID copy of the applicant and his guarantor
  • Legal status certificate - RRA Tax Clearance Certificate
  • Valuation report of the property and bill of quantity of remaining work (done by a valuer, which has a partnership with UNGUKA Bank Ltd)
  • 34: Construction permit
  • Collateral title documents
  • Act of lending property if the collateral doesn’t belong to the borrower
  • Life insurance is mandatory
  • Fire insurance
  • Provision sales agreement for purchase
  • Notified Board resolution for companies
  • Bank statements for the last 6 months (if account held with another financial institution)
Voir plus
10
Favourite AGRICULTURE LOAN ( CB - 3)
Vision Fund Rwanda (VFR)

Koramuhinzi Agricultural Loans products targets small holder farmers in rural communities, providing them with finance for their farming needs including loans for Inputs,

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900 000 KES
  • Matured groups after 12months of formation
  • Repayment frequency: Monthly
  • Recomemded by an NGO / Facilitating Agency / Local Authority
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  • ID cards,
  • Group constitution,
  • Recommendation from cell phone company
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Vision Fund Rwanda (VFR)

The individual loan targets Small businesses and micro - entrepenuers who are in need of working capital or need funds to buy business assets

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10 000 000 KES
  • Existing business
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  • ID card,
  • Patent document
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36
Compagnie Générale de Banque (COGEBANQUE Plc)

Overdraft is commonly extended for working capital requirement

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  • Existing business with need of overdraft
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  • Application letter
  • ID/TIN


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Bank of Kigali Plc

Short term loans given to coffee exporters for up to 1 year to finance the washing and exporting of coffee

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Open

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Banque Populaire du Rwanda (Part of Atlas Mara)

A Stock Medium Term loan is a fixed contract with the customer to finance an increase in stock levels and to finance the permanent portion of stock with a fixed repayment schedule.

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  • Businesses must be established and be able to show profitable trading results over two years at least.
  • Customers who have at least serviced similar facility for 36 years and with good track record in terms of paying commitments
  • The primary source of repayment of the loan is the cash flow from the business’s activity and repayments must be strictly tied with cash flows. Borrowers must present cash flow forecasts and preferably balance sheet projections for the entire period of the loan’s tenor. These must demonstrate that the cash generation of the business is positive and will enable the loan to be repaid over the loan period with a reasonable margin for error.
  • Repayments will normally be evenly spread over the life of the loan with monthly repayments of principal and interest.
  • In all cases a second way out must be provided in the form of tangible security. This may include the following:
  • A registered mortgage over commercial or residential property.
  • A charge over the operating assets of the business: Pledge on Business Assets for the full amount of the facility extended, a list of current assets at the time of disbursement must be attached to the charge document.
  • Insurance must be taken over the property/equipment/vehicle/stock showing the bank as loss payee.
  • A quarterly report of stock should be submitted by the borrower


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  • 1. Facility letter signed by the customer to confirm their acceptance of the terms of the bank’s offer
  • 2. For a company :
  • a. Copy of the company’s certified statutes and Copy of the certificate of registration.
  • b. Resolution by the Board of the company authorizing the company to borrow from the bank Check the covenants
  • 3. For partnerships:
  • a. All documents must be aligned with partners’ deed.
  • 4. For sole traders:
  • a. Copy of the certificate of registration
  • b. Tax certificate
  • c. Insurance
  • 5. Security documentation appropriate for the security concerned as per the Credit Policy checklist.
  • 6. A copy of latest tax clearance certificates otherwise the current account with RRA.
  • 7. List and ageing of debtors and creditors and a stock/inventory report.


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Favourite Documentary Letters of Credit
Banque Populaire du Rwanda (Part of Atlas Mara)
  1. To finance the import of goods into Rwanda.
  2. To guarantee the payment for services to be rendered to a business by another party.
  3. To provide assurance of payment of claims to a third party by our customer by way of a standby letter of credit.
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  • Customers for whom Letters of Credit are to be issued must have an established business and a satisfactory track record of conduct of their account.
  • Start-ups can be considered by exception subject to full margin or other good quality securities.
  • The terms of the L/C must be precise and unambiguous and define specific documents in accordance with the Uniform Customs and Practice for Documentary Credits, that define under what specific circumstances the bank will make payment.
  • L/C’s may provide for payment at sight or issuance drafts to be drawn on the account party to the L/C.
  • Where sight drafts are called for, the bank will make payment against presentation of the specified documents. In such cases the L/C terms should specify that shipping documents should be made out to the order of BPR to ensure the goods remain under the control of the bank.
  • If the customer requests original bills of lading to be sent directly to him or to his agent the bank must regard its risk as being clean and security should be taken accordingly.
  • Where issuance drafts are specified and the customer wishes to clear the goods against his acceptance of the bill presented under the L/C the risk to the bank is again clean and appropriate security must be taken.
  • L/C’s would not normally be issued for longer than twelve months. Any longer term should be regarded as an exception to Credit Policy.
  • In support of an L/C, a margin will normally be taken, which may be from 10-100% of the amount the bank could be called upon to pay under the L/C. The margin should be debited to the customer’s account and converted into the currency of the L/C unless an exception is sought in the application to allow a local currency margin to be held.
  • Where L/C’s are opened for other than import of goods, 100% margin should normally be taken or an exception to Credit Policy requested.
  • In all cases a credit limit must be approved covering the issue of an L/C. However, where full margin is to be taken a confirmatory credit approval should be obtained.


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  • Each L/C will be requested on the bank’s standard form incorporating a standard form indemnity from the customer authorizing the bank to debit the customer’s account on presentation of documents.
  • Facility letter signed by the customer to confirm their acceptance of the terms of the bank’s offer of facilities.
  • For a company (LTD)
  • We will obtain confirmation that the company is registered and signatories have full power to commit the company (this confirmation should be obtained from bank records).
  • Otherwise, the following documents will be requested:
  • Copy of the company’s certified statutes and Copy of the certificate of registration.
  • Resolution by the Board of the company authorizing the company to borrow from the bank
  • For partnerships:
  • All documents must be signed by all partners (associates) or in accordance with the powers stated in the partnership deed.
  • Copy of the certificate of registration must be obtained
  • For sole traders:
  • Copy of the certificate of registration must be obtained.
  • Security documentation appropriate for the security concerned as per the Credit Policy checklist.
  • A copy of latest tax clearance certificates or the current account statement with Rwanda Revenue Authority, if the facility is granted for less than 100% cash margin.
  • Pro-forma invoices or contracts for goods and services to be imported.


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AXON Tunga Microfinance PLC

Product designed to entrepreneurs with a registered business in need of a working capital to boost their businesses, clients in need of this product should possess a collateral and ready to provide a guarantor. Maximum up to legal ,imit.

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Activity in trading

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  • Identification card
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Unguka Bank Plc

Fully secured working capital loan to entrepreneurs with active small businesses to all Rwandan registered companies and individuals

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3 000 000 KES
  • Open account in UB
  • Active business (experience for 6 months)
  • Loan Security
  • The business has to be located in Rwanda
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  • Project description (customer needs statement)
  • Financial statement certified
  • Application letter
  • Company Registration Certificate/ID copy of the applicant and his guarantor
  • Legal status certificate - RRA Tax Clearance Certificate
  • Valuation report of collateral (done by a valuer, which has a partnership with UNGUKA Bank Ltd)
  • MICRO WORKING CAPITAL LOAN 21: - Collateral title (land, factory, car etc) and movable security documents
  • Act of lending property if the collateral doesn’t belong to the borrower
  • Life insurance is mandatory for individuals - Notified Board resolution for companies
  • Bank statements for the last 6 months (if account held with another financial institution
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Favourite UBWIZERANE SOLIDARITY GROUP
Vision Fund Rwanda (VFR)

Ubwizerane is a graduation product offered to Community bank customers who have demonstrated growth, and who require larger loans to continue growing their businesses, and who have a good repayment record.

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500 000 KES
  • Crops can be: Seasonal Repayment holiday with monthly interest
  • Livestock can be: 1 to 6 month grace period then monthly principal and interest (P&I)


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  • ID cards,
  • Group constitution,
  • Recommendation from cell phone company
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Development Bank of Rwanda (BRD) Plc.

BRD finances energy generation projects, energy access projects to facilitate household connection and energy efficiency projects to reduce the energy consumption.

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  • Business in Energy
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  • A thorough Business plan and a loan application letter;
  • A minimum owner`s (promoter) contribution of 30% of the total project cost;
  • A resolution of the promoter’s Board of Directors authorizing the application for a loan and pledge of assets as securities (where applicable);
  • Valid Land titles of the project location and other securities (if any);
  • Technical feasibility studies of the project
  • The Bills of quantities of construction (hard and soft copy);
  • The Perspective, Plans, and design of all constructions
  • A Concession agreement with the Government of Rwanda;
  • A Power purchase agreement (PPA) with the Energy Utility Corporation Ltd (EUCL);
  • The Company registration certificate from Rwanda Development Board (RDB);
  • A License from Rwanda Utilities Regulatory Authority (RURA);
  • An Environmental Impact assessment certificate or report;
  • Other partner funding (grants, subsidies, etc.) agreements (if any);
  • Quotations/Proforma invoices for Machinery and equipment;
  • Quotations for all contracts from third parties (EPC, EPCM, O&M, etc.);
  • Valuation reports of securities and construction works (if any) done by the entity recognized by RDB.


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I&M Bank Rwanda Plc

Financing the asset for business

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  • Business with a need of asset
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  • Application letter from the customer
  • Certificate of business registration/incorporation
  • Memorandum & articles of association (for Corporate and SME)
  • Latest 6 months bank statements (12 months if Business is seasonal in nature)
  • Proforma invoice from the dealer/vendor
  • Latest 3 year financials, tax clearance certificate and cash flow projections. Audited financials are required for higher exposures. (For Corporate and SME)
  • Copies of contract where asset sought is to meet contractual requirements. (For Corporate and SME)


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Bank of Kigali Plc

Turn your business goals into reality with Bank of Kigali.

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Open

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  • Loan Application Letter
  • Company registration documents
  • Company financials for the last three months
  • A solid business plan in case of a new business
  • Shareholder identification documents
  • Proposed collateral property with valuation report
  • . Copy of the title deed for the security, if it is a house or plot


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Banque Populaire du Rwanda (Part of Atlas Mara)

An investment loan is a fixed contract with the customer to finance a known need such as acquisition of business assets, acquisition of another business, expansion or diversification of existing operations.

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  • Businesses must be established and be able to show profitable trading results over two years at least.
  • Start-ups can be considered by exercising extreme caution based on reliable and tested cash flows projections.
  • The primary source of repayment of the loan is the cash flow from the business’s activity. Borrowers must present cash flow forecasts and preferably balance sheet projections for the entire period of the loan’s tenor. These must demonstrate that the cash generation of the business is positive and will enable the loan to be repaid over the loan period with a reasonable margin for error.
  • Alternative cash flows may be considered.
  • Repayments will normally be evenly spread over the life of the loan with monthly repayments of principal and interest.
  • In special circumstances and as may be dictated by the business cycle, repayments can be quarterly, semi-annual, tri annual and annual as the case may be.
  • Grace period of up to 12 months may be granted to allow adequate time for completion of works and commencement of cash flow generation.
  • In all cases a second way out must be provided in the form of tangible security. This may include the following:
  • A registered mortgage over commercial or residential property.
  • An undertaking to mortgage over commercial or residential property pending receipt of title deeds for buildings under construction.
  • A charge over the operating assets of the business - for the full amount of the limit extended where a loan is extended along with working capital finance. A list of current assets at the time of disbursement and specific fixed assets financed by investment loan must be attached to the charge document.
  • Insurance must be taken over the property/equipment/vehicle/stock showing the bank as loss payee.
  • In instances where there is a significant element of construction in the investment project, loans to applicants without deeds of tangible securities (property), preliminary documents (authorization to build, deed plan and a 20 years lease agreement), leading to establishment of perfectible deeds must be presented to the bank in original form before disbursement.


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  • Facility letter signed by the customer to confirm their acceptance of the terms of the bank’s offer
  • For a company (LTD):
  • Copy of the company’s certified statutes and Copy of the certificate of registration.
  • Resolution by the Board of the company authorizing the company to borrow from the bank
  • Check the covenants
  • For partnerships:
  • All documents must be aligned with partners’ deed.
  • For sole traders:
  • Copy of the certificate of registration
  • Tax certificate
  • Insurance
  • Security documentation appropriate for the security concerned as per the Credit Policy checklist.
  • A copy of latest tax clearance certificates otherwise the current account with RRA.


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Banque Populaire du Rwanda (Part of Atlas Mara)

Invoice Discount is a structured finance facility provided by the Bank in FRW to enable its customers to access to cash while awaiting settlement of their invoices. Maximum up to 70% of the invoice value.

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  • The source of repayment for invoice discount is the proceeds from the pending invoice itself.
  • The facility will be settled upon receipt of funds. In the event that there are no funds on repayment due date, the RM must immediately take action.
  • In all cases a second way out must be provided in the form of acceptance and easily realizable security. This may consist of the following: A registered mortgage over residential or commercial property; b. Floating charge over the operating assets of the business for the full amount of the facility; Right of Set off on deposits held with the Bank
  • Bank guarantees
  • Adequate insurance where applicable
  • Promissory Note, Assignment of Receivables, and Joint surety of shareholders are taken.


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  • Facility letter signed by the customer to confirm his acceptance of the terms of the bank’s offer.
  • Original invoice approved by the buyer.
  • For a company:
  • Copy of the company’s certified statutes and Copy of the certificate of registration
  • Resolution by the Board of the company authorizing the company to borrow from the bank
  • For partnerships:
  • All documents must be signed by all partners (associates) or in accordance with the powers stated in the partnership deed.
  • Copy of the certificate of registration must be obtained
  • For sole traders:
  • Copy of the certificate of registration must be obtained.
  • Security documentation appropriate for the security concerned as per the Credit Policy checklist.
  • A copy of latest tax clearance certificates or the current account statement with Rwanda Revenue Authority.




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facilités de financement

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