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Grow your business with CIB Business Banking!

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Features A Loan supporting responsible growth with lines of credit reaching up to EGP 10 million

Tailored for customers with an annual sales turnover of EGP 1 million up to 200 million

Lending Services

Loans

Medium-term loans with tenors up to five years and a grace period reaching up to 150 days

Short-term Facilities

To cover the company’s working investment needs

Credit Card

An additional corporate credit card can be issued with an amount reaching up to 10% of the facility, with a maximum limit of EGP 250,000

Incentives

Reaching up to 25% of the eligible financed assets, from several green finance programs funded by development financial institutions according to their applied eligibility criteria

Relationship Managers

A dedicated Relationship Manager with the support of a technical expert from the Sustainable Finance team to offer technical assistance services

CBE Initiatives

*Interest rates are subject to the Central Bank of Egypt (CBE) initiatives if the conditions of the initiative are met.
USES CIB’s Sustainable Finance Loan supports SMEs investing in renewable energy and resource efficiency
Tailored to support Small & Medium Enterprises (SMEs) in growing their businesses and enhancing profitability with a sectorial focus on the Textiles, Food & Beverage, and Plastics sectors.

Renewable Energy

CIB empowers SMEs to transition to renewable energy sources. The financing provides access to capital for the purchase and installation of renewable energy systems and equipment, reducing the reliance on traditional energy sources and lowering operating costs.

Examples of projects include but are not limited to:

  • Solar power (Photovoltaics)
  • Solar water heaters
  • Thermal applications of solar power
  • Energy production from biomass/biofuel
  • Small-scale wind turbines

Resource Efficiency

CIB finances energy-efficient equipment, as well as water conservation and resource efficiency measures, to help SMEs minimize the usage of energy, water, and materials, to lower utility bills and improve operational efficiency. 

Examples of projects include but are not limited to:

  • Energy-efficient boilers, chillers and any other equipment
  • Any process modification that leads to energy savings
  • Waste heat recovery system
  • Heat loss reduction systems
  • Combined heat and power
  • Industrial waste recycling
  • Waste reuse
  • Waste water recycling and reuse
  • Recovery and reuse of raw material
  • Technical innovation to use less recourses

The Story Behind! About CIB’s Sustaining SMEs Program

CIB does not only finance its clients. CIB is your preferred sustainability partner, bringing you the best solutions in the market to support your business growth sustainably.

In 2022, CIB launched its “Sustaining SMEs” program, and partnered with Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH to provide holistic support for SMEs to enhance profitability and brand reputation, as well as unlock new market opportunities through Sustainability. 

Under the “Sustaining SMEs” program, CIB offers its clients with sector focused capacity-building opportunities to empower them to grow their businesses further through sustainability. Not only is CIB providing SMEs with speedy and preferential financing, the bank is further collaborating with global leaders in Sustainable Finance to provide our SME clients with knowledge on latest trends and technologies, empowering businesses to grow responsibly and efficiently. In 2024, CIB’s Sustaining SMEs is focusing on providing tailored support for Textiles, Food & Beverage, and Plastics sectors, among others. 

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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