Eligibility of clients

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


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