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 90,000 / USD 10,000

  Maximum loan size

TJS 1,800,000 / USD 200,000

  Maximum loan size for rural areas

TJS 360,000 / No USD lending in rural areas

  Minimum loan term

  • 3 months for working capital loans

  • 6 months for fixed asset loans

  Maximum loan term

  • 24 months for working capital loans

  • 48 months for fixed asset loans


Guarantor is required for this facility and full financial analysis of the guarantor is required


The prime collateral is considered the business and/or private property of the customer with a value of not less than 130% of the loan.

Equipment, vehicle, gold and inventory can be accepted as supplementary collateral, but the prime property collateral value should not be less than 80% of the loan amount.

  Grace period

  (only principal amount)

  • 3 months for working capital loans

  • 6 months for fixed asset loans



  Interest rates in TJS

  29% - 32% Interest rates are stated annually

  Interest rates in USD

  20% - 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 as per the NBT requirements.

How to Apply

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

Clients should bring with them the following documents:

Х Copy of a valid internal passport of the borrower

Х Copy of a valid passport for the spouse of the borrower

Х Tax Identification Number (TIN)

Х Two recent passport size color photos

Х Copy of a valid passport for the guarantor

Х Tax Identification Number for the guarantor

Х Certificate of state registration

Х Ownership documents for the pledged property

Х Copy of a technical passport of the pledged property

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


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

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

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

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