This commercial loan is to aim to provide financial support for small and medium enterprises to help cash flow for working capital.
Loan AmountNot restricted loan amount.
Loan TermMaximum 3 years.
Interest Rate8 - 14% per annum.
Payment PlanMonthly payment.
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To support Timorese Enterpreneurs to contribute for the economic development of Timor-Leste
- Demonstrate good personal character, honesty and accountable.
- Run a profitable and viable business (Long-term prospect).
- Have the valid business license issued by Ministry of Commercial and Industry or SERVE.
- Having business experience
Terms and Conditions
- Loan Amount
- Unlimited depend on the various business factors.
- Loan Terms
- Maximum 3 years (36 months)
- Interest Rate
- Competitive interest rate between 8% - 14%, based on the client record and loan guarantee.
- Guaranteed Loan
- The valuable and sufficient amount of guarantee
Late payment 12% per year
- Other Fees
- Administrative fee and other cost according the BNCTL price list
Loan ProposalLoan proposal addressed to BNCTL include loan amount and utilization plan.
Photo3x4 cm size. Colored
Document IdenficationCopy of electoral ID both applicant and spouse.
Company ProfileValid Company profile.
Loan Application FormFill-up the loan application form.
InventoryList of business inventory prior to request loan.
Bill of QuantityList of items to be purchased
Asset and Cash FlowList of asset and cas flow information.
Loan GuaranteeAny valuable asset or deposit that enough for guarantee.
Field Observation ReportObservation Report of company place and address tha is prepared by BNCTL staff.