Small and Medium Enterprises

Small and Medium Enterprises (SMEs) are a fundamental part of the economy in developed and developing countries. EBank has taken the initiative to finance the SMEs sector through signing an agreement with the International Finance Corporation (IFC), a world bank subsidy, which provides technical assistance, risk assessment tools as well as financing guarantee schemes and policies.
Accordingly, EBank  finance SMEs with an annual turnover that ranges from EGP 1 M to EGP 200 M; the bank finances companies in different economic sectors (industrial, agricultural, trade and services), with a particular interest in exporters and import substitution companies in these sectors.

These services include:

EBank’s Board of Directors and Executive Managers believe in implementing and exemplifying the highest standards and measures of compliance and governance in order to maintain the faith of our shareholders in our institution. Governance refers to a series of regulations and practices that dictate the relationship between the Board of Directors, the executive managers and the shareholders; it indicates the responsibilities and privileges of each party. Governance address the methods by which the board and upper management operate on a daily basis through:

• Financing working capital needs during various production stages as follows:

Local operations finance:

  • Financing against commercial paper
  • Finance(checks/bills)
  • Financing against inventory
  • Purchases order finance
  • Local Letter of Credit (LCs)
  • Issuing Letter of Guarantee
  • Disclosure and transparency

    International operations finance:

    • Letters of Credit (imports /exports)
    • Collection (import/export)
    • Financing export contracts, international purchase
    • orders and/ or export LCs
    • Discounting export documents under confirmed LCs
    • Financing exporters’ receivables from the Export Development Fund
    • Financing capital expenditure (expansion / renovation) and start up projects.

      EBank’s Small and Medium Enterprises departments offer their services to micro enterprises indirectly through financing the micro finance associations (Terms and conditions apply)

      Furthermore, EBank provides finance to SMEs according to CBE initiatives as follows:

      • Financing working capital and/or capital expenditure for small enterprises with interest rate 5% annually.
      • Financing working capital and capital expenditures for companies with a minimum annual turnover of EGP 50 Million at annual interest rate of 8%. The CBE Initiative is available for industrial, Agribusiness, Contracting sectors.

      Nile Preneurs Initiative

      Out of our awareness of the vital role that small, medium and micro enterprises play in the Egyptian economy in terms of reducing poverty and unemployment rates, raising the rate of growth and sustainability, integrating the informal economy into the formal economy and achieving the goal of financial inclusion, our bank has participated in the Nile Preneurs initiative launched by the Central Bank in cooperation With the Small and Medium Enterprises Development Authority and Nile University through the initiative wings

      (Business development centers and packaging design incubator)

      BDS Business Development services

      And there are located in two centers

      Faisal branch, address 43, King Faisal St., Al-Haram

      Burj Al Arab branch and its address, Fifth Neighborhood – Services District – First District – Burj Al Arab

      The services that the business development centers provide


      New project idea generation service

      Supporting potential youth and entrepreneurs to identify project ideas that are implementable and fit with their personal characteristics and are consistent with their local data, in addition to helping them discover whether they have the ability to establish projects and assist them in evaluating the different stages of the project idea in order to ensure the suitability of the idea for implementation.


      Registration service and obtaining activity licenses

      Assisting the customer in accessing the information related to the steps, procedures and required documents and assisting him in preparing a complete file to register a commercial, industrial or service activity or obtaining a license to practice the activity and the industrial register and directing the client to the nearest one-stop shop centers of the chambers of commerce or the Small, Medium and Medium Enterprises Development Agency Filigree


      Feasibility studies services

      Helping to prepare an integrated feasibility study as a first guiding step to start a project or expand an existing project, whether that relates to opening a new market or introducing a new product / service and ensuring economic feasibility, as well as determining the financing need for its completion and enabling it to present this study to the financing body immediately Her request.

       

      Facilitating obtaining financing service

      Providing information and data to the customer on financing products, whether banking (bank) or non-banking (factoring companies – leasing companies – venture capital companies) according to the geographical location, nature of the company’s activity and the size of the required financing, and assisting the client in preparing the credit file and the documents required to study the required financing, And raising his awareness of the methodology for dealing with financing institutions and managing bank accounts, and the factors that must be taken into account to avoid poor classification in financing institutions, whether banking or non-banking.

       

      Financial analysis and evaluation services

      Providing an initial financial analysis to the client about the financial condition of the project / company, presenting the results of the analysis and its recommendations, educating the customer and helping him make the appropriate decision
      Networking service with suppliers and target markets
      The networking service is based on 3 axes:
      • Networking of small and medium companies with commercial chains (public / private sector) such as hyper one and Carrefour
      • Networking of small and medium companies with other companies of the same and other categories in order to exchange products and services
      • Networking small and medium-sized companies with supply chains in a specific sector in order to help them improve their products to be present in the market and expand their customer base, allowing them to grow, increase job opportunities and increase revenues.

       

      A service for disseminating knowledge and available data on small and medium enterprises

      Providing a database through the Egypt Projects platform that includes consulting offices (financial – economic – administrative – marketing – general services offices – real estate offices – customs clearance offices), training programs available, providers of specialized consulting services and consultants with experience in the field of business and product development in Specific sectors with the possibility of obtaining this service on its own by providing computers connected to the Internet and making them available to the target customers
      Training, capacity building and workshops service
      With the aim of raising the administrative, organizational and legal efficiency to ensure the success of these establishments, such as training programs for project management – total quality – trademarks – coding and traceability – economic feasibility studies). This service depends on the proper evaluation of the client and the discovery of the actual needs for the quality of training required to raise and build capacity.

       

      Packaging design business incubator

      It is a business incubator established under the auspices of our bank at Nile University in Sheikh Zayed. This incubator serves creative and enthusiastic packaging designers and supports companies by providing unique and innovative designs as well as consulting services regarding

      By choosing the materials used to produce their designs, etc
      For more information https://np.eg/bds-hubs/

      Expo Lady

      New Product Customized for Small Business, Exporter Women and Training Programs that support Their Business.

      What is Special about Expo Lady Product?
      • Quick Process.
      • Competitive Price Rate.
      • Accessibility to apply from any EBank branches network.
      • Payment in Equal Monthly Installments Up To 5 Years.
      • Free default insurance policy
      • Free life Insurance

      Training & Workshops

      Workshops to create awareness for export process and commercial transactions such as:

      • training center
      • seminars
      • lectures
      • trainings

       

      Expo Star

      Fast Loan for Small Exporters and Their Vendor on Equal Monthly Installments Up To 60 Months

      What is Special about Expo Star Product?
      • Quick Process.
      • Competitive Price Rate.
      • Accessibility to apply from any EBank branches network.
      • Payment in Equal Monthly Installments Up To 5 Years.
      • Free default insurance policy
      • Free life insurance

       

      Business Star

      New Product for Financing Small Projects with manufacturing, services, agricultural and commercial activities on equal monthly installment up to 4 years

      What is Special about Business Star Product?
      • Quick Process.
      • Competitive Price Rate.
      • Accessibility to apply from any EBank branches network.
      • Payment in Equal Monthly Installments Up To 4 Years.
      • Free default insurance Policy
      • Free life insurance

       

      Medi Star

      New Product for Financing Clinics & Radiology Analysis Centers, Beauty Centers, Analysis Centers and companies operating in medical field on equal monthly installment up to 4 years

      What is Special about Expo Star Product?
      • Quick Process.
      • Competitive Price Rate.
      • Accessibility to apply from any EBank branches network.
      • Payment in Equal Monthly Installments Up To 4 Years.
      • Free default Insurance Policy
      • Free life insurance