Working Capital Financing
Solutions to help you manage your working capital, protect and expand your business, and increase your revenue.
LC / LG
Letters of credit and letters of guarantee to support your commercial operations.
Discounted bills
Unlock liquidity against eligible bills.
Overdrafts
Flexible facilities to smooth day-to-day cash flow.
Other facilities
Contact us for more information on additional working capital solutions.
Trade Finance
Trade Finance Facilities are offered through Institutional Banking — for corporates, SMEs and companies operating overseas — with correspondent support in virtually every corner of the globe.
Trade Finance is among the principal products offered by Corporate Banking, alongside Loans, Overdrafts and Syndication. SME Banking also provides Trade Finance Facilities together with Term Loans, Credit Lines, Subsidized and Kafalat loans, and other working capital facilities. International Commercial Banking includes Trade Finance with all its associated products for clients in Africa and the Middle East.
Subsidized Loans
Are you looking into financing a new project or boosting your existing business? Bankmed offers Subsidized Loans, backed by the Central Bank of Lebanon, to help you make a difference in your field and remain competitive.
Eligible sectors
Tourism
Agriculture
Industry
Loan features
| Feature | Details |
|---|---|
| Purpose | Fixed assets / capex only |
| Loan period | Between 5 and 7 years |
| Loan amount | Minimum USD 50,000 |
| Repayment plan | A maximum 15% of the loan amount due during the first two years |
| Grace period | 6–24 months (depending on the project) |
| Interest rate — LBP loans | 2-year Treasury bills + 1–1.075%. Subsidized interest rate of 4.5% |
| Interest rate — USD loans | 3-month LIBOR + 7–7.075%. Subsidized interest rate of 4.5% |
Features may vary depending on BDL circulars.
Kafalat Facilities
Do you want to start a new business or grow an existing one? Through the wide range of Kafalat loan programmes, Bankmed grants you access to exclusive benefits and services to help you expand your business and increase your yield.
Kafalat Basic
Fixed assets and working capital. Guarantee ratio 75%.
Kafalat Plus
For SAL, SARL or joint stock companies. Guarantee ratio 85%.
Kafalat Innovative
Co-guaranteed by the EU and Kafalat SAL. Guarantee ratio 90%.
Startups and Innovation
Higher maximum amount; innovation 90%, start-ups 85%.
Kafalat Agriculture
Small Agriculture and Trees programmes.
Kafalat Energy
Energy efficiency and renewable energy programmes A, B and C.
Kafalat Basic
This programme offers loan guarantees for fixed assets and working capital financing needs for SMEs. It is ideal for startups and existing businesses as it helps clients develop their business ideas.
Eligible sectors
Industry, Agriculture, Tourism, High Technologies, Crafts.
| Feature | Details |
|---|---|
| Investment type | To finance fixed assets and working capital needs |
| Maximum loan amount | LBP 300 million or its equivalent in USD |
| Loan duration | Up to 7 years |
| Guarantee ratio | 75% |
| Grace period | Between 6–12 months |
Kafalat Plus
Restricted for companies — SAL, SARL or joint stock companies — this programme offers loan guarantees to existing SMEs and conventional startups. It helps SMEs develop their business plans or activities through facilitating access to finance.
Eligible sectors
Industry, Agriculture, Tourism, High Technologies, Crafts.
| Feature | Details |
|---|---|
| Investment type | To finance fixed assets and working capital needs |
| Maximum loan amount | LBP 600 million or its equivalent in USD |
| Loan duration | Up to 7 years |
| Guarantee ratio | 85% |
| Grace period | Between 6–12 months |
Kafalat Innovative
This programme is co-guaranteed by the EU and Kafalat SAL. It offers loan guarantees to startup businesses of less than two years for investments in fixed assets and working capital needs, and supports innovative startups that exhibit the potential to create significant added value through innovation.
Activities
- Development of a new product or service
- Development of a new production or business process
- Development of new uses for existing products
- Development of new types or modes of distribution or sales channels
Eligible sectors
Industry, Agriculture, Tourism, High Technologies, Crafts.
| Feature | Details |
|---|---|
| Investment type | To finance fixed assets and working capital needs |
| Maximum loan amount | LBP 300 million |
| Loan duration | Up to 5 years |
| Guarantee ratio | 90% |
| Grace period | Between 6–12 months |
Kafalat Startups and Innovation
This programme enables investors to obtain funds from local banks through the support of a Kafalat guarantee. Similar to Kafalat Innovative, with a different maximum loan amount, it focuses on the development of new products and services, new business processes, new uses for existing products, and new modes of distribution or sales channels.
Eligible sectors
Industry, Agriculture, Tourism, High Technologies, Crafts.
| Feature | Innovation | Start-ups |
|---|---|---|
| Investment type | To finance fixed assets and working capital needs | |
| Maximum loan amount | LBP 650 million or c/v in USD | |
| Loan duration | Up to 7 years | |
| Guarantee ratio | 90% | 85% |
| Grace period | Between 6–12 months |
Kafalat Agriculture
This programme aims at financing activities related to the agriculture business in all its aspects.
| Feature | Small Agriculture | Trees |
|---|---|---|
| Investment type | To finance all types of farming and agricultural activities, including fixed assets and working capital needs | To finance arboriculture activities |
| Maximum loan amount | LBP 65 million | LBP 480 million |
| Loan duration | Up to 7 years | Up to 10 years |
| Guarantee ratio | 85% | 75% |
| Grace period | Between 6–12 months | Up to 3 years |
Kafalat Energy
This programme provides eligible SMEs with loan guarantees for investments in Energy Efficiency and Renewable Energy.
| Feature | Program A — Energy Efficiency | Program B — Renewable Energy for internal use | Program C — Renewable Energy for sale to third parties |
|---|---|---|---|
| Investment type | To finance the adoption of or conversion to sustainable energy consumption — to optimize an energy system to consume less | To install a renewable power generation system and consume the produced electricity for internal use, to replace fossil-fuel based electricity | To install a renewable power generation system, with the aim of selling all or part of the produced electricity to others, including the public grid |
| Maximum loan amount | LBP 600 million | LBP 600 million | LBP 1,320 million |
| Loan duration | Up to 10 years | Up to 15 years | Up to 15 years |
| Guarantee | 75% | 75% | 75% |
| Grace period | Between 6–12 months | Between 6–24 months | Between 6–36 months |
A loan designed to help you grow
The Business Loan from Bankmed is the answer to your business needs. This loan helps you finance the purchase of new premises and improve your current resources and facilities.
Eligible sectors
All sectors can benefit from this loan. However, the loan cannot be used for the following purposes:
- Real estate development
- Working capital financing
- Refinancing of existing projects
- Equity participation
- Settlement of existing loans
Loan features
| Feature | Details |
|---|---|
| Currency | LBP |
| Loan amount | Subject to the Bank’s approval |
| Interest rate | Maximum 40% one-year Treasury bills + 3%–3.3% (reviewed yearly) |
| Grace period | 6–48 months |
| Loan period | Maximum 14 years including grace period (subject to the project) |
Features may vary depending on BDL circulars.
Choose what we can do for you and your business
Contact your Relationship Manager or any of our branches.