Microfinance

Microfinance Products

BDC offers microfinance for all economic activities formal and informal that operate in the productive, industrial, commercial, and service sectors and their related activities and the self-employed (Except for agricultural, animal production, poultry and fish production activities). Also funding transportation and construction equipment of all kinds.
Also buyout loans, kinds of Motorcycles and all kinds of transportations vehicles.

Benefits:

Expansions in existing activities / operational expansions.
Loan for the expansion of existing activities.
Loan for the establishment of the project for those with experience in the field.
Loans for Motor overhauls - renovations and repairs - restructuring (refrigerators - cabins) - Maritime transportation and fishing boats - spare parts and supplies - changing rubber ... etc.
Loan buyout from other financing entities.
Loans for all kinds of Motorcycles.
Loans for all kinds of transportations vehicles.

Features:

Informal/Formal activities:

All economic activities that operate in the productive, industrial, commercial, and service sectors and their related activities, and the self-employed. (Except for agricultural, animal production, poultry and fish production activities).

Transportation & construction equipment:

All means of transportation and construction equipment of all kinds.

Motorcycles:

Loans for all kinds of Motorcycles (Motorcycles, Tricycle... etc.).

Transportations vehicles:

All kind of transportation licensed by traffic units and other vehicles licensed by traffic.

1. Product: Informal activities

Value	From 5,000 Up to 150,000 EGP
Period	Min 4 Months, Max 48 Months
Interest	42% Decreasing
Installments	Equal Monthly
Administrative Fees	1% of issued loan amount
Stamp Fees	0.002% of issued loan amount
Penalty Fees	4% of late installments min 20EGP
Early Settlement Fees	3% of outstanding balance at payment time
Required Documents	A copy of the valid national ID of the customer and the guarantor. A new facilities receipt to the customer & guarantor for the place of residence.

2. Product: Informal activities – Buyout

Value	From 5,000 Up to 100,000 EGP
Period	Min 4 Months, Max 48 Months
Interest	42% Decreasing
Installments	Equal Monthly
Administrative Fees	1% of issued loan amount
Stamp Fees	0.002% of issued loan amount
Penalty Fees	4% of late installments min 20EGP
Early Settlement Fees	3% of outstanding balance at payment time
Required Documents	A copy of the valid national ID of the customer and the guarantor. A new facilities receipt to the customer & guarantor for the place of residence.

3. Product: Formal activities

Value	From 100,000 Up to 500,000 EGP
Period	Min 6 Months, Max 60 Months
Interest	38% Decreasing
Installments	Equal Monthly
Administrative Fees	2% of issued loan amount
Stamp Fees	0.003% of issued loan amount
Penalty Fees	4% of late installments min 20EGP
Early Settlement Fees	3% of outstanding balance at payment time
Required Documents	A copy of the national ID of the customer and the guarantor. A new facilities receipt to the customer & guarantor for the place of residence. A lease or ownership contract for the location of the activity. A tax card or most recent tax return. A recent extract from the commercial register or (a permit to practice the profession for self-employed persons).

4. Product: Formal activities – Buyout

Value	From 50,000 Up to 500,000 EGP
Period	Min 6 Months, Max 60 Months
Interest	38% Decreasing
Installments	Equal Monthly
Administrative Fees	2% of issued loan amount
Stamp Fees	0.003% of issued loan amount
Penalty Fees	4% of late installments min 20EGP
Early Settlement Fees	3% of outstanding balance at payment time
Required Documents	A copy of the national ID of the customer and the guarantor. A new facilities receipt to the customer & guarantor for the place of residence. A lease or ownership contract for the location of the activity. A tax card or most recent tax return. A recent extract from the commercial register or (a permit to practice the profession for self-employed persons).

5. Product: Transportation Owners/Construction Equipment/Marine Transport & Fishing Boats

Value	From 5,000 Up to 300,000 EGP
Period	Min 4 Months, Max 36 Months
Interest	42% Decreasing
Installments	Equal Monthly
Administrative Fees	1% of issued loan amount
Stamp Fees	0.002% of issued loan amount
Penalty Fees	4% of late installments min 20EGP
Early Settlement Fees	3% of outstanding balance at payment time
Required Documents	A copy of the national ID of the customer and the guarantor. A lease or ownership contract for the location of the place of residence. Vehicle license with the customer's name. Contracted owners of cars from Uber and Careem. Owner’s Statement or customs release or operating permit of the owner instead of the vehicle license (construction equipment).

6. Product: Transportation Owners/Construction Equipment/Marine Transport & Fishing Boats - Buyout

Value	From 5,000 Up to 300,000 EGP
Period	Min 4 Months, Max 36 Months
Interest	42% Decreasing
Installments	Equal Monthly
Administrative Fees	1% of issued loan amount
Stamp Fees	0.002% of issued loan amount
Penalty Fees	4% of late installments min 20EGP
Early Settlement Fees	3% of outstanding balance at payment time
Required Documents	A copy of the national ID of the customer and the guarantor. A lease or ownership contract for the location of the place of residence. Vehicle license with the customer's name. Owner’s Contracted of cars from Uber and Careem. Owner’s Statement or customs release or operating permit of the owner instead of the vehicle license (construction equipment). A tax card or most recent tax return. A recent extract from the commercial register or (a permit to practice the profession for self-employed persons).

7. Product: Motorcycles

Value	Up to 75,000 EGP
Period	Min 4 Months, Max 24 Months
Interest	From 39% to 44% Decreasing
Installments	Equal Monthly
Administrative Fees	3% of issued loan amount
Stamp Fees	0.002% of issued loan amount
Penalty Fees	4% of late installments min 20EGP
Early Settlement Fees	6% of outstanding balance at payment time
Required Documents	An original price offer with the name of the customer from listed Motorcycles Dealer. A copy of the national ID valid of the customer and the guarantor.

8. Product: Transportations vehicles

Value	Up to 500,000 EGP
Period	Min 6 Months, Max 60 Months
Interest	From 36% to 43% Decreasing
Installments	Equal Monthly
Administrative Fees	3% of issued loan amount
Stamp Fees	0.003% of issued loan amount
Penalty Fees	4% of late installments min 20EGP
Early Settlement Fees	6% of outstanding balance at payment time
Required Documents	An original price offer with the name of the customer from a listed. Vehicle license with the customer's name. A copy of the national ID valid of the customer and the guarantor.

Conditions for customer and guarantor

Egyptian nationality, fully qualified, of good reputation.
The age of the borrower isn’t less than 21 years old and not more than 65 years at the end of the loan period.
The customer or guarantor or one of them must not be ignorant of reading and writing.
The client requesting loan must not be a guarantor for another client in the bank.
The guarantor of the customer requesting finance is not a minor.
Terms & Conditions apply.
For further information, kindly visit the nearest branch of our bank that offers microfinance Products.

Banque du Caire offers its services to provide microfinance in the following branches

Cairo	Alexandria, Al-Behara and Marsa	Delta and Canal		Upper Egypt, the Red Sea and Al-Wady El-Gded
Al-Awkaf	Marsa Matrouh	Al-Hussinia	Kafr El Sheikh	Senoras	Bba
El-Sayda Zainb	Al-Delngat	Fakus	Al-Kholfa	Wekalt Ebshway	Wekalt Al-Fashn
Masr El-Kmeda	Al-Wardian	Abo Kebir	Bialla	Wekalt Al-Wasta	Samalout
Helwan	Bab Sedra	Meet Ghamr	Port Said	Al-Swaky	Smosta
6 of October	Hosh Essa	Al-Hamoul	El-shohadaa Al-Suez	Shark Al-Neil	Abo Kourkas
El-Tawfik City	Desouq	Minia Al-Kamh	Al-Ismailia	Tama	Melawy
Shubra	Backus	Kafr Shukr	Port Fouad	Tahta - Sohag	Der Mouas
Al-Oubor	Fwah	Kafr El Zayat	Al-Salhia	Al Kawthar	Al-Qusiya
Al-Haram	Abo Al-Matamir	Zfta	Tanta	Abo teg	Manfalot
Al-Ameria	Al-Seiof	Derb Negm	Souk Naser	Asyut	Ahnasia
	Sporting	Benha	Al-Mahalla	Qena	Wekalt Bani Mazar
	Damanhur	Shbeen El Koom	Berkt Al-Saba	Safaga	Maghagha
	Kafr Al-Dawwar	Wekalt Ashmon	Al-Mansoura	El-Minya	Sohag
	Salah Salem	Al-Sadat	Talkha	Al-Oqsour	El Blina - Gerga
	Al Agami	kalyoub	Senbellawein	Kos	Nag Hammadi
	Al-Akbal	Tala	Aga	Esna	Gerga
	Al-Hmam	Menouf	Al-Gomhoria	Al-Fayoum	Aswan
		El-Bagour	Al-Zagazig	Atsa	Edfu
		Sherbin	Belbeis	Naser (Beni Sweif)	Abo Sambel
		Damiat	Al-lwaa	Bani Sweif	Komombo
		Kafr Saad	Al-Asher	Al-Hurghada	Al-Kharga
		Al-Manzla	City Sharm
		Belqas	AL Souk Port Said