Small Medium Enterprise (SME)


This product is offered to a wide range of small, and medium sized entrepreneurs (sole proprietorship, family businesses, formal or informal partnerships) who are involved in trade, service or manufacture activities.


This product can be used for working capital and/or acquisition of fixed assets for the purposes of existing businesses.

Quick Facts

  Minimum loan size

TJS 50,000 / USD 10,000

  Maximum loan size

TJS 1, 000,000 / USD 200,000

  Minimum loan term

1 month

  Maximum loan term

  • 24 months for working capital loans
  • 48 months for fixed assets loans


Guarantor is required for this facility and full financial analysis of the guarantor will be conducted by the bank


The prime collateral is considered the business and private property of the customer with a value of not less than 150% of the loan

  Grace period

  (only principal amount)

  • 1 month if the loan is used for working capital
  • 4 months if the loan is used for fixed assets


The product is offered in both TJS and USD

  Interest rates in TJS

 29% -32%           Interest rates are stated annually

  Interest rates in USD

 22%-25%            Interest rates are stated annually


Borrowers may be offered a 1% discount if they open an FMFB deposit account and access and service their loan amounts through it

  Early closure

Allowed with the condition to formally report but no penalties

How to Apply

Interested clients should consult with the nearest branch or banking service centre.

Clients should bring with them the following documents:

 Copy of a valid internal passport of the borrower

 Copy of a valid passport for the spouse of the borrower

 Tax Identification Number (TIN)

 Two recent passport size color photos

 Copy of a valid passport for the guarantor

 Tax Identification Number for the guarantor

 Certificate of state registration

 Ownership documents for the pledged property

 Copy of a technical passport of the pledged property

 List of additional items being pledged as collateral (if applicable)


 Flexible product terms that allow entrepreneurs to tailor a solution to best meet their financial capital needs

 Attractive interest rates with the potential for further discount if the customer opens an FMFB deposit account and services their loan through it

 Generous grace period to provide sufficient time for procurement of working capital or purchase and installation of fixed assets

 Transparent and collaborative loan application process that is rooted in integrity and customer protection principles