As part of its mission, BNDE finances various projects in the industry sector. different sectors of activity such as Agriculture and Livestock, Industry and agro-industry, crafts, services, tourism, health and education, real estate, renewable energy and ICTs are eligible for funding.

Our loans are granted at competitive rates and for reasonable deadlines, likely to stimulate the entrepreneurial spirit and meet the specific needs of an individual investor.

Long Term Loans:

These loans are granted to Bank clients to finance investments with high social and economic impact for the country. Different sectors of activity are eligible for this type of financing. The repayment terms are more than 7 years.

Medium Term Loans:

They are repayable over a period ranging from 3 to 7 years. Like long-term loans, the repayment period is determined based on the future cash flows to be generated by the project.

Short Term Loans:

Payable over 1 to 2 years. They are granted exceptionally to specialized companies that use seasonal raw materials to build up stock or for auxiliary equipment. In general, these are loans granted to agricultural producer organizations where the seasonality of crops rarely exceeds 8 to 12 months.

Funding application file:

A client approaching BNDE to request financing must provide the following information:

• Information about the loan applicant: legal status, activity of the promoter and balance sheets for the last three years where applicable.
• The business plan covering the aspects:
• Project techniques: equipment required, the production capacity of this equipment, their origins, the raw materials necessary for the activity.
• Project managers:
• Technical assistance (institutional support) profile of current/potential managers, project implementation plan,…
• Financial: estimated cost of the project, financing plan, provisional operating account,……
• Marketing and sales: description of the product or service, market for raw materials and finished product, analysis of competition and distribution channels, packaging…
• Environmental and social: impact on the environment, respect and promotion of gender equality,……