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We, at Byblos Bank have made a special commitment to small businesses and professionals' sectors, for you are critically important to each and every neighborhood as well as to our national economy. Most of the new ideas and innovations come from you, however to develop it you need the adequate type of finance from a sound partner, where Byblos steps in to boost your endeavors, thus leading to new advances, job creation, and a higher standard of living for all of us. 

Consumer Loan	Professionals and Small Business Loans
Purpose	- to increase your working capital, - to buy equipment, finished goods or raw materials,  - to buy, renovate or enlarge your working place
Type of Facilities	1- An Overdraft Facility : allowing you to retrieve money up to $50,000. 2- Financing facility reimbursed over 6 months: in order to finance your inventory purchases and your business activity needs. Settled through monthly installments, or through one payment at maturity. 3- Discounted Bills over 12 months: to finance your customer receivables. 4- Any Type of Letter of Guarantees. 5- A Term Loan of up to 4 years: to finance the acquisition of fixed assets (machines, equipment, office furniture, purchase of premises…). 6- The opening of documentary letters of credit: to finance your business' purchases.
Applicant Profile	- Over 18 years of age, - Min. 2 years experience in your field of work / career. - Available proofs of income by means of either: purchase' receipts from suppliers, or daily ledger, or customers' accounts, or, a bank statement of account for 6 months.
Business Profile	Small business & industries & liberal professions : Craftsmen: carpenter, glass / plastic manufacturer, painter, wrought iron maker, plumber, electrician, tailor, mechanical technician, Traders of: food and beverages, electronic gadgets, lighting appliances, home / office furniture, vehicle spare parts, books / stationary, pharmaceutical, perfumery and make up items… Professionals: lawyer, engineer, architect, graphic designer, photographer, accountant, surveyor, map plotter, hairdresser, esthetician, general maintenance, courier & express / services owner, printing agency…
Loan Amount	Between $2000 and $50,000
Interest Rate	Varies according to guarantee: On USD: 11%, 12% and 13% On LBP: 12%, 13% and 14%
Repayment Period	If Direct Bills 48 months, If financing: 6 months
Required Guarantees**	- Mortgage agreement, OR - Clean Basis, OR - Commitment of non disposal (Negative Pledge), OR - Personal Guarantee, OR - An insurance policy against stock, machinery and main body burning if necessary
Distinctive Feature	-No matter what your Business legal status is: Individual (not necessary Trade registered), Real Company, Partnership, Limited Liability Company, or Limited Partnership…., you can apply for the loan. - When reliable proof of income is available, applicants without prior banking experience are accepted.

(**)The Bank reserves itself the right to request any additional guarantees when necessary 

Fees:
Facilities <$25,000, $100 collected once at the initiation, 
Facilities >$25,000, $150 collected once at the initiation, 
commission of 2%0 per semester.