Features Our tailored loans program for SMEs is your first step towards bringing your ideas to life
Lending Services

Credit facilities

Credit facilities with tenors up to five years

Time loans

Time loans against contracts, purchase orders and post-dated checks

Trade finance products

Export LGs and LCs contracts for new and existing clients, with limits up to EGP 30 million

Relationship managers

The SME loan program is handled by knowledgeable relationship managers, who are experts in different industries and their dynamics

Types of lending programs

Relationship-based finance (RBF)

CIB offers comprehensive lending tailored for SMEs through a team of dedicated credit relationship managers who understand the dynamics of your industry and are on top of current market conditions.

  • Lines of credit with limits up to EGP 25 million
  • Time Loans
  • Overdraft facility with competitive limits
  • Medium term loans up to five years
  • Trade Finance
  • Corporate credit card
  • Flexible repayment terms
  • Interest rates are subject to CBE initiatives

Super Business Loan (SBL)

CIB offers short-term overdraft facility financing working investment needs for suppliers, overheads, salaries, taxes, customs, etc. in addition to issuing partially secured bid, performance, and advance payment letters of guarantee to support the company’s operations and tendering activities for existing and non-existing CIB customers:

  • Tailored to customers with an annual sale turnover of EGP 10 million up to EGP 200 million
  • Credit limit up to EGP 5 million
  • 10% of facility could be issued in the form of corporate credit card with a maximum limit of EGP 250,000
  • A dedicated relationship manager
  • Interest rates subject to CBE initiatives

Women in Business

CIB designed a special lending offering tailored for women-owned businesses to support women entrepreneurs, the first of its kind in Egypt. It is a short-term overdraft facility financing working investment needs (suppliers/ overheads/salaries/taxes/customs) in addition to issuing partially secured bid, performance, and advance payment letters of guarantee to support the company’s operations and tendering activities of existing and non-existing CIB customers

  • Tailored for customers with an annual sale turnover of EGP 1 million up to EGP 200 million
  • Credit limit up to EGP 5 million
  • 10% of facility could be issued in the form of corporate credit card with a maximum limit of EGP 250,000
  • Minimal requirements
  • A dedicated relationship manager
  • CBE initiatives apply

Growth Loan

The Growth Loan follows our continuous efforts to meet the needs of our clients. It’s a convenient, easy and fast loan that can be used for quick capital infusion to the company to pay their employees’ salaries, taxes, buy raw materials, pay customs, or cover expenses needed to keep their businesses running. The loan can also be used for business expansion plans and fleet finance.

  • Tailored for customers with an annual sale turnover of EGP 1 million up to 200 million
  • Credit limit up to EGP 4.5 million
  • No mortgage required in case of fixed assets finance
  • Loan tenor up to 2 years
  • Competitive TAT for approval
  • A dedicated relationship manager
  • Interest rates subject to CBE initiatives

Tourism Initiative Program

The tourism initiative program is a credit facility and part of the CBE stimulus measures to support companies working in this sector affected by the Covid-19 pandemic. The program is designed to finance six months of the company’s payroll expenses as well as maintenance and operating expenses.

  • Credit facility up to EGP 30 million
  • Grace period of one year
  • Repayment is on 24 equal monthly installments after the grace period
  • Interest rates are subject to CBE initiatives
Requirements Requirements for Lending Services
  • Recent commercial register
  • National ID for signatories and shareholders
  • Three recent financial statements
  • Recent 12-month bank statements
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