Small Enterprise Loan

For providing financial assistance for meeting capital need of self-employed, professionals and small business entities.

	1.1.DCU Small Enterprises Loan (DCU SEL)	1.2 Retail Small Enterprises Loan (Retail SEL)
Purpose of the Loan	To finance fixed assets and working capital requirement to support self-employed individuals for their business operation.
Type of Loan	Working Capital Loan / Overdraft Term Loan
Loan Amount	Minimum loan size to be NPR 500,000/- Maximum loan size to be NPR 1,500,000/-	Minimum loan size to be NPR 500,000/- Maximum loan size to be less than NPR 5,000,000/-
Tenure	Working Capital Loan / Overdraft : 1 year (Renewable based on periodic review).
Tenure	Term loan : Maximum 5 years.	Term loan : Maximum 15 years.

	Small Enterprises
Purpose of the Loan	To finance fixed assets and working capital requirement to support small enterprises.
Type of Loan	Working Capital Loan / Overdraft Term Loan
Loan Amount	Minimum loan size to be NPR 500,000/- Maximum loan size to be NPR 5,000,000/-.
Tenure	Working Capital Loan / Overdraft: 1 year (Renewable based on periodic review).
Tenure	Term loan: Maximum 15 years

For Individuals
- Loan application.
- Borrower’s declaration about one-house family.
- Net worth Statement of applicant and guarantors.
- Location map of the applicants’ residence, Business site, Collateral.
- Photograph and copy of citizenship certificate of the borrower/ guarantor(s).
- CIC report.
- Document related to registration of Business.
- Historical / Provisional / Projected financial statements of Business as applicable.
- Income statement or cash flow of the applicant/Guarantor as applicable.
- Title Deed, blue print, trace map, four boundary certificate, revenue receipt of land/ land & building, building construction permission/completion certificate from competent authority (as applicable) of the property offered as collateral.
- Valuation report prepared by bank’s authorized valuator.

For Small Enterprises
- Loan application.
- CIC report.
- Location map of the applicants’ residence, Business site, Collateral.
- Photograph and copy of citizenship certificate of Key Person/Guarantor(s).
- Declaration about one-house family.
- Net worth Statement of Key Person and guarantors.
- Document related to registration of Business. License to conduct the business (where applicable).
- Copy of MOA and AOA and board minute permitting bank borrowing in case of Private Limited.
- Title Deed, blue print, trace map, four boundary certificate, revenue receipt of land/ land & building, building construction permission/completion certificate from competent authority (as applicable) of the property offered as collateral.
- Valuation report prepared by bank’s authorized valuator.
- Historical / Provisional / Projected financial statements of Business as applicable.
- Income statement or cash flow of the Key Person/Guarantor, where applicable.