Secure The Future
Of Your Business

We’re here to support you through challenging times.

SMEs can now access up to J$ 690 Million in funding at a special low rate of 6.5%!*

Special funding is now available to SMEs to sustain operations, explore new business ventures, or make investments in energy saving, small-scale irrigation or business expansion projects.

For customers with limited or no collateral, guarantee assistance if available under Guarantee facilities through our partnerships with USAID and DBJ.

* Conditions Apply

LOAN GUARANTEES AVAILABLE

DBJ Credit Enhancement Facility

  • Guarantee of up to JMD $30M
  • 90% Loan Guarantee for Small Loans
  • 80% Loan Guarantee for MSMEs

NCB USAID SME Development Loan Fund

  • Up to USD $5M / Up to JMD $690M from NCB
  • Rates as low as 5%* on USD loans / 6.5%* on JMD loans
  • 50% Loan Guarantee from USAID

DBJ CEF Guarantee

Description

Partial Loan Guarantee in support of loan facilities extended to SMEs with collateral constraints

Loan Type    

N/A. CEF Guarantee may be attached to most non-revolving facilities with regular installments.

Borrowing Eligibility

Guarantees are available to MSMEs with:
(i) Annual Turnover: ≤ J$425Million
(ii) Businesses operating more than 24 months
(iii) Satisfactory credit history 

Special Conditions & Exclusions 

Guarantee is subject to standard credit assessment requirements of NCB. Certain activities are not eligible for funding under this facility.

Purpose

May be accessed to support loan financing geared towards business expansion, working capital and energy conservation projects, subject to exclusions.

Tenor

Guarantee may be granted for up to 10 years.

USAID Guaranteed Loan Fund

Description

Loan financing supported by Partial Loan Guarantee for SMEs with collateral constraints.

Loan Type    

Non-revolving facilities with regular installments.

Borrowing Eligibility

Registered SMEs in Jamaica and other select Caribbean countries (including Barbados, Bahamas, St. Lucia and Trinidad & Tobago) which meet the following criteria:

(i) Annual Turnover: ≤ J$1.25 Billion
(ii) Employees ≤ 250
(iii) Businesses operating more than 24 months (iv) Satisfactory credit history 

Tenor

Loans may be granted for up to 15 years

Purpose

Financing may be accessed for business expansion, working capital and energy conservation projects, subject to exclusions.

Special Conditions & Exclusions 

Facility and supporting Guarantee are subject to standard credit assessment requirements of NCB. Certain activities are not eligible for funding under this facility.

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