Are you planning to expand your business?
EGBANK provides structured financing solutions to support asset acquisition, enabling your business to enhance revenue generation and optimize operational efficiency.
As part of EGBANK’s strategic commitment to supporting the SME sector and recognizing its vital role in driving Egypt’s economic growth, the Bank has established a dedicated SME Division staffed by highly qualified Relationship Managers, Credit Analysts, and industry specialists.
Our SME teams are deployed across EGBANK’s branch network nationwide, delivering tailored financial advisory and banking solutions aligned with each client’s industry and growth objectives.
If your business annual sales lie between EGP 1 million and EGP 200 million,
you can benefit from EGBANK's 2 main SME tiers,offering different products and facilities suiting your business industry
Small Enterprise
Annual Sales Turnover
EGP 1 M to EGP 50 M
Medium Enterprise
Annual Sales Turnover
EGP 50 M to EGP 200 MComprehensive solutions tailored to your business needs
Working Capital Finance (Short Term)
- Short term loans to Financing inventory
- Contract financing solutions
- Trade finance facilities
- Accounts Receivable (A/R) financing
- Structured SME financing programs
Medium-Term Financing
- Asset acquisition financing
- SME programs for financing machinery and equipment purchases
- Renewable energy financing solutions
All facilities are subject to the Bank’s prevailing credit policies and applicable terms and conditions.
Smart Business Solutions
Smart Business Solutions is a structured lending program based on predefined eligibility criteria, financial parameters, conditions, and approved credit limits applicable to each product offering. Clients are required to meet the initial qualification criteria in accordance with the Bank’s credit framework.
Main Features
→ Specifically designed for SMEs with annual sales turnover ranging from EGP 20 million up to EGP 150 million
→ Product structure based on Medium-Term Loans (MTL) with equal monthly installment schedules
→ Serving a diversified client base across small and medium enterprises in various sectors and company types
→ Maximum financing tenor of up to 60 months
→ Financing amounts of up to EGP 30 million
→ Competitive interest rates in line with prevailing market conditions
→ Streamlined process supported by standardized documentation requirements
→ Financing solutions covering local and foreign purchases, as well as capital expenditure (CAPEX) requirements
→ Covering different finance needs (local purchase and /or foreign purchase & CAPEX Finance)
→ Company tiers structured based on annual sales turnover as part of the product segmentation framework
Tier
Sales Turn over
Tier-1 (Small Companies)
From EGP 20MM and below EGP 50MM
Tier-2 (Medium Companies)
EGP 50MM - less than EGP 100MM
Tier-3 (Medium Companies)
From EGP 100MM To EGP 150MM
Tier
Maximum Lending Amount
Tier-1 (Small Companies)
15M
Tier-2 (Medium Companies)
25M
Tier-3 (Medium Companies)
30M
Central Bank of Egypt (CBE) Initiative to Support Small and Medium Enterprises (SMEs)
Small Enterprises
In accordance with the Central Bank of Egypt (CBE) initiative, small enterprises are defined as sole proprietorships or companies, whether newly established or existing, operating across various sectors (including industrial, agricultural, and renewable energy), with annual sales turnover ranging from EGP 1 million up to less than EGP 50 million.
Under this initiative, eligible small enterprises may benefit from financing at a preferential simple diminishing interest rate of 5%, to support working capital requirements and fixed asset financing.
Medium Enterprises
According to the CBE initiative, medium enterprises are defined as entities with annual sales turnover ranging from EGP 50 million up to less than EGP 200 million.
Eligible medium enterprises operating in the industrial, agricultural, and residential building contracting sectors may benefit from financing at an interest rate of 15%, to support the acquisition of new equipment, machinery, production lines, and working capital requirements.
All financing facilities are subject to CBE regulations and the Bank’s prevailing credit policies and terms and conditions.
Main Documents Required
Please prepare the following documents for your application
Audited financial statements for the last three fiscal years, including Income Statement, Balance Sheet, Cash Flow Statement, and corporate bank statements
Copy of a valid Commercial Register issued within the last three months
Copy of valid National ID for partners/shareholders holding more than 10% ownership
Copy of valid Tax Card
Company constitutional and legal documents
Certificate issued by a certified auditor confirming tax position and insurance compliance
Copy of valid manufacturing license and approval from the Industrial Development Authority, where applicable
12 months business bank statement
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