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Najah Loan
Najah Loan Do you have what it takes to start up your own business and work independently? Fransabank in coordination with the “National Commission for Lebanese Women - NCLW” put at your disposal the all-new Najah Loan, which offers Micro-Credit and Kafalat Loans especially tailored to support you start the business you have always aspired for.

Choose the loan that best suits your ambitions and helps you develop your business for a better future for you and your family!

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Loan Type Business Type Loan Currency Loan Amount Repayment Period Grace Period Interest Rate Special Offer
Micro-Credit Loan Small to medium sized businesses LBP Between LBP 750,000 and LBP 10 Million 6 months to 3 years 3% regressive Free Life Insurance
Kafalat
  • Industry
  • Agriculture
  • Tourism
  • Traditional Handicrafts
  • High Technology
LBP Up to LBP 50 Million 3 to 7 years Between 6 and 12 months 40% of 1-year Treasury Bills Rate +3%
  • Discounted Life Insurance
  • 1% of yearly Kafalat commissions will be paid by Fransabank


Micro-Credit Loan

How does it work?
To qualify for the Micro-Credit Loan, you must:
  • Be of Lebanese nationality and be a resident of Lebanon
  • Be a woman between 18 and 64 years old at loan maturity
There is no minimum monthly income requirement

What are the guarantees needed?
  • A life insurance offered for free by Fransabank
  • A personal guarantor for loans between LBP 750,000 and LBP 8 Million
  • A promise of mortgage with the personal guarantor for loans between LBP 8 Million and LBP 10 Million


Kafalat Loan

How does it work?
To qualify for the Kafalat Loan, you must:
  • Be of Lebanese nationality and be a resident of Lebanon
  • Be between 18 and 64 years old at loan maturity
There is no minimum monthly income requirement

What are the guarantees needed?
  • Life insurance covering the total loan amount and interest, offered at a discounted price by Fransabank
  • Personal guarantor
  • Mortgage or promise of mortgage
  • Other requested guarantees on a case-by-case basis


Required Documents

For Micro-Credit Loan

Personal Documents
  • Copy of identification card
  • Copy of family civil register
  • Utility phone or electricity bill

Documents Related to Business / Project
  • In case of an existing business, a proof of income
  • In case of a new business, a simple project feasibility study

Documents Related to Guarantees
For Personal Guarantor:
  • Copy of identification card
  • Proof of income or salary certificate

For Promise of Mortgage
  • Copy of title deed
  • Recent real estate certificate for the property
  • Recent real estate certificate for the common parts

For Kafalat Loan

Personal Documents
  • Copy of identification card
  • Copy of family civil register
  • A Ministry of Finance declaration for personal tax number
  • Utility phone or electricity bill
  • List of real estate properties if available with copy of relative title deeds

Documents Related to Business / Project
  • Company commercial register with tax number declaration
  • Tourist or manufacture or agriculture permit
  • Title dead or rental contract for work premises
  • Proforma invoices for the equipment and raw materials to be purchased
  • Feasibility study including the cash flow projection for the period of the loan
  • Financial statements for previous years, up to 3 years (if available)
  • List of main clients and suppliers (if available)
  • Latest company bank account statement (if available)


Documents Related to Guarantees
For Personal Guarantor:

  • Copy of identification card
  • Proof of income or salary certificate
  • List of real estate properties and copy of title deeds
For Promise of Mortgage

  • Copy of title deed
  • Recent real estate certificate for the properties to be mortgaged
  • Recent real estate certificate for the common parts
 
 

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