Eco-Business Loan

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Eco-Business Loan

Now with the new Eco-Business Loan from Fransabank, you can take your business farther by investing in sustainable energy that will help you reduce your business expenses.

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What do you get?

Loan currency: LBP or USD
Loan amount: starting at LBP 30 million or c/v USD
Repayment period: up to 10 years
Grace period: up to 4 years (for new projects) and up to 2 years (for existing projects)
Preferential interest rate that varies depending on sectors subsidieed by the Central Bank of Lebanon and the remaining sectors
Free pre-approved "Business" credit card
Free domiciliation of electricity bill
Free access to our internet banking - iBank, telephone banking - Call Center and SMS Alerts services

What are the eligible projects?

Whether you are a self-employed individual or owner of a company operating in any sector, invest in sustaible energy to reduce your business expenses. The loan covers investments related to any of the following energy-related projects:
Renewable Energy

Installation or construction designed to produce electricity, heat, cooling and any other form of energy by using:

Solar energy
Wind
Hydro
Waste to energy

Energy Efficiency

Reconstruction, renovation or refurbishment projects designed to decrease energy consumption:

Efficient lighting systems
Insulation of boilers and pipes
Double glazing
Window replacement
Replacement of machines or equipment

How can you repay your loan?

During grace period, you only settle the interest amount
During the settlement period, you settle your installment in principal and interest

What are the guarantees needed?

On case-by-case basis

Required Documents

Personal documents required from client and/or partner (s) and /or guarantor

Copy of identification card or valid passport or civil register
Place of residence such as copy of title deed or rent contract or mayor attestation or electricity, phone , or water bill
Real estate certificate for plots subject to collateral such as mortgage, negative pledge or proxy to mortgage
Financial statements for the last 6 months for existing clients
Lift bank secrecy in favor of BDL

Documents proving legal status and income

Copy of company's circular, by-laws and certificate of registration
Copy of documents related to If business location
- If owned: real estate certificate
- If rent: last rent contract
Copy of syndicate membership (if available)
Feasibility study including the cash flow projection for the period of the loan validated by an expert in the field. For term loans, feasibility study with details on projected revenues and expenses.
Financial statements for previous years, up to 3 years (If sales turnover is above USD 500,000 financials must be audited)
Lists of main clients and suppliers indicating the amount and terms of payment/settlement
Latest company bank account statement for the last 6 months (if available)
Copy of the latest fire and life insurance policies (if available)
Techniqual study for the requested loan

Additional documents for Kafalat , Daam, Commercial Property Loan and Commercial In-Site Loan

Copy of the rent contract for the duration of the loan
Related permits from concerned authorities for industrial and touristic companies
Related permits from concerned authorities for gas stations for Beirut region and municipality certificate for other regions

In addition to above for Commercial Property Loan Only:

Municipality attestation proving that applicant is not renting the premises subject of the loan.

If your company belongs to any of the below categories, these legal documents should be also provided

For SAL

Photocopy of the minutes of the first Board of Directors meeting
Photocopy of the minutes of the last General Assembly meeting that elected the members of the actual Board of Directors
Photocopy of minutes of the last meeting of the Board of Directors that elected the actual Chairman and fixed his prerogatives including the right of indebtedness for himself or for any other designated person

For SARL

Photocopy of the minutes of the last meeting of the General Assembly that has elected the General Director and fixed his prerogatives including the right of indebtedness

For SCS & SNC

Photocopy of the partnership contract with all the amendments that have occurred
Minutes of meeting of the partners that granted the right of signature, especially the right of indebtedness, in the name of the company

For Sole Proprietorship & Individuals