SME Business Development Loan
Fuel your growth journey with the CIB SME Business Development Loan—crafted
to support expansion, diversification, or working capital.
Features
Loan Amount
Minimum and maximum based on serviceability
Tenor
Up to 6 years (Capex) or 3 years (Working Capital)
Security
Required per CIB Credit Risk Policy
Repayment
Amortized monthly (principal + interest)
Top-up
Allowed after 12 months of successful repayment; max 2 top-ups within tenor; loan must be current and never in arrears >30 days in last 6 months
Benefits
Cards & Access
- Credit card issuance and delivery (including abroad)
- Supplementary credit or debit card requests
- OTP and Internet Banking activation
Loans & Facilities
- Secured loan booking against CDs/TDs
- Overdraft adjustments (cancellation, reduction or settlement)
Deposits & Investments
- CD/TD bookings, amendments, rollovers or liquidations
Secured Overdraft
Maintain smooth cash flow with the CIB Secured Overdraft—a short-term facility
tied to your current account.
Features
Loan Amount
Minimum and maximum based on serviceability
Tenor
Up to 12 months, renewable
Security
As per CIB Credit Risk Policy; CGS/ATI/AGF guarantee up to 50% accepted
Repayment
Through credits made into the overdraft account
Limit
Up to 25% of annual turnover, or within business cash cycle (whichever is shorter
Account conduct
Max 5 unpaid items in 6 months; max 3 unauthorized excess drawings in 6 months
Benefits
Reliable working capital buffer
Interest charged only on utilized amounts
Renewable annually to maintain continuity
Property Finance
Take ownership of your business premises or investment property with CIB
Property Finance—tailored for SMEs investing in residential, rental, or
commercial real estate.
Features
Loan Amount
Minimum and maximum based on serviceability
Financing
(subject to eligibility)
Security
As per CIB Credit Risk Policy; property purchased held as security
Repayment
Amortized monthly (principal + interest)
Apply for our products now
Share Your Details Below to Start Your Journey with Us