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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.

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) - spare parts and supplies - changing rubber ... etc.
  • Financing project establishment.

Features:

Informal 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).

Formal activities:

All economic activities that operate in the productive, industrial, commercial, and service sectors and their related activities.

Transportation & construction equipment:

All means of transportation and construction equipment of all kinds.

Loan value and period

Loan Informal activities Formal activities
Value EGP 5,000 - EGP 50,000 EGP 50,000 - EGP 300,000
Period 4 – 36 Months 6 – 60 Months

Transportation & Construction equipment

Tok- Tok / Tricycle/ Vans Taxi / Mini Bus / Microbuses/ Light haulage/ Farm tractors Heavy haulage / Long haulage / Buses / Construction equipment
Value EGP 5,000 - EGP 25,000 EGP 10,000 - EGP 50,000 EGP 50,000 - EGP 150,000
Period 4 – 24 Months 4 – 36 Months 4 – 36 Months

 

General Determinants for Granting Loans

  • All installments are equal on monthly basis.

  • Renewal for existing customers will be, according to the terms and conditions.

  • The loan must be consistent to the size of the activity and its turnover rate.

  • 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.
    • That the guarantor of the customer requesting finance is not a minor
    • I-Score Credit Report.

Required Documents

  • Informal activities:
    • Request for loan.
    • A copy of the valid national ID of the customer and the guarantor.
    • Authorization to investigate.
    • Signing the loan contract.
    • A new receipt to the customer for the place of residence.
  • Formal activities:
    • A copy of the national ID of the customer and the guarantor.
    • The most recent proof for the customer and guarantor of 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).
    • I-Score Report for the customer and guarantor.
  • Transportation & construction equipment:
    • A copy of the national ID valid of the customer and the guarantor.
    • A lease or ownership contract for the location of the place of residence.
    • Vehicle license in the customer's name.
    • Contracted owners of cars from Uber and Careem.
    • Permit for Tok-Tok and tricycle (if any).
    • Fulfill the license or operating permit for construction equipment in the name of the owner of the equipment.

 

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 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 Khamr  Port Said Al-Swaky Smosta
6 of October Hosh Essa Al-Hamoul 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 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-Oksour El Blina - Gerga
  Al Agami kalyoub Senbellawein Kos Nag Hammadi
  Al-Akbal Tala Aga Esna Gerga
  Al-Hmam Menouf Al-Gomhoria Al-Fayoum Aswan
  Marsa Matrouh 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