General eligibility criteria for selecting/investing an SME client are listed below:

• Physically capable Bangladeshi national
• Proprietorship/ Partnership/ Private Limited Company
• Valid licenses like Trade License, VAT Registration, TIN etc. NOC from Environment Directorate (as applicable) from competent authority
• Source and capacity of repayment backed by positive cash flow
• Definite market and prospect of future expansion
• Clean CIB report
• Adequate infrastructure facility and manpower with required skill and experience
• The client must have clear idea about the business and required experience.
• All other criteria laid down in the Instruction Circular, Manuals of relevant investment product.

Restriction on facility

• Any of IBBL’s director, employee or their family member holding 5% or more of the share capital of the Small Enterprise
• The applicant is engaged in any antisocial and/ or anti-state activity
• The applicant has been declared bankrupt/insolvent/insane by any competent  authority of the country