"BNCTL offers this loan to fund enterprises that are awarded the project contract from Timor-Leste Government, NGO (International and Local), and other institution to support the operational activities or infrastructure project implementation such as construction including maintenance (road,bridge,building), labor cost, other expenses such as electricity, supplying working equipment, transportation, technology, energy and other government contracts"

  Loan Amount

Maximum 50% of project cost as per contract.

  Loan Term

Maximum 12 months (depend on the project duration).

  Interest Rate

Maximum 12% per annum.

  Payment Plan

Project payment schedule.


BNCTL offer this loan to support enterprise especially Timorese citizen to increase the working capital to implement the government project for national economic development of the country.

Personal Criteria

  • Demonstrate good personal character, honesty and accountable.
  • Has the good performance record business or company.
  • Valid business license issued by Ministry of Commercial and Industry or SERVE.
  • Has previous experience with government related projects.
  • Funding the individual shareholder company, group or joint venture.

Terms and Conditions

  • Maximum loan amount 50% of project cost as per contract.
  • Interest rate 12% per annum.
  • Loan maturity maximum 12 months.
  • Present sufficient guarantee
  • Repayment is according to project milestone/progress.
  • Penalty 12% per annum.
  • Other administrative fee as applicable.

Documents Requirement

  1. Credit proposal addressed to Dili Branch Manager
  2. 1 copy of color passport size photo (3x4)
  3. Electoral copy for the applicant and spause (for married person)
  4. Copy of applicant’s Bank Account
  5. A valid company profiles
  6. Liscence authorisation to exercise economic activity (serve)
  7. Commercial business registry (serve)
  8. Debt certificate
  9. Company statute
  10. Company structure
  11. Map of company office location
  12. Copy of a valid project contract with the government
  13. Detail costs and project design
  14. Financial report.
  15. Present additional guarantee

Brochure of Credit Click Here.