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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	Finance your Working Capital: To support the business cash flow & or benefit from trade finance services.
Type of Facilities	1- An Overdraft Facility: allowing you to retrieve money up to $100,000. 2- Financing facility reimbursed over 6 months: in order to finance your inventory purchases and your business activity needs. Settled through one bullet payment at maturity. 3- Discounted Bills (with recourse) over 12 months: to finance your customer receivables. 4- Bills in Guarantee covering at least 1.5 times the facility (max period 1 year). 5- The opening of documentary letters of credit: to finance your business' purchases. 6- Any Type of Letter of Guarantees.
Purpose	Purchase your Business Equipment or Trucks:
Type of Facilities	1- A Term Loan of up to 5 years: to finance the acquisition of fixed assets (machines, equipment, trucks).
Purpose	Purchase your Business Premises: Acquire, renovate, or expand the business premises.
Type of Facilities	1- A Term Loan of up to 10 years: to finance the purchase of premises.
Applicant Profile	- Lebanese citizenship above 21. - Relevant technical skills &/or education. - 2 years working experience (unless you have other sources of income). - Able to submit financial statements or proof of income by means of purchase receipts from suppliers, daily ledger, customers' accounts, bank statements, etc.
Business Profile	- Traders: food & beverages, electronics, gadgets, lighting appliances, home/office furniture, vehicle spare parts, books/stationery, pharmaceuticals, perfumery, make-up items, etc. - Small industries: glass/plastic, agro-industries, packaging, etc. - Professionals: doctors, pharmacists, lawyers, engineers, architects, accountants, graphic designers, photographers, etc. - Services: nurseries, map plotters, hair dressers, estheticians, general maintenance, courier & express services, printing houses, etc. - Craftsmen: carpenters, painters, wrought iron makers, plumbers, electricians, tailors, mechanical technicians, etc.
Loan Amount	Between $5,000 and $100,000.
Interest Rate	Competitive interest rates. Varies according to guarantees.
Required Guarantees**	- Mortgage agreement, OR - Proxy To Mortgage, OR - Commitment of non disposal (Negative Pledge), OR - Personal Guarantee, OR - On Clean Basis N.B: Life Insurance is mandatory if business continuity is not secured. Fire Insurance is requested in case of flammable goods.
Distinctive Feature	- No matter what your Business legal status is: Individual (not necessary Trade registered), Establishment, 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.