Credit Facilities
  • Term Loans
  • Business loanRead More

    Business loan

    Purpose
    To permanently finance the working capital

    Loan amount
    The amount depends on business financing needs

    Tenor
    Maximum of 36 months

    Interest rate
    Base rate +/- margin basing on:

    • Level of the risk associated with the deal
    • Other business opportunities with us.

    Fees

    • File opening fee: RWF 25,000 + VAT
    • Search fee: RWF 20,000 + VAT
    • Arrangement fee: 2% + VAT

    Eligibility

    • Positive projected cash flows
    • Good

      Read More

  • Asset Based FinanceRead More

    Asset Based Finance

    Purpose
    To finance acquisition of a movable asset

    Loan amount
    The amount depends on the cost of the asset

    Tenor
    Depending on the lifespan of the asset. For example:

    • New car: 48 months
    • Used car: 36 months
    • Motorcycle: 24 months

    Interest rate
    Base rate +/- margin basing on:

    • Level of the risk associated with the deal
    • Other business opportunities with us.

    Fees

    • File opening fee: RWF 25,000 + VAT
    • Search fee:

      Read More

  • Personal loanRead More

    Personal loan

    Purpose
    To facilitate employees/salary earners to access loans for personal development

    Loan amount
    Up to RWF 20mn

    Tenor
    Maximum of 48 months

    Interest rate
    Base rate +/- margin basing on:

    • Level of the risk associated with the deal
    • Other business opportunities from the employer

    Fees

    • File opening fee: RWF 25,000 + VAT
    • Search fee: RWF 20,000 + VAT
    • Arrangement fee: 2% + VAT

    Eligibility

  • Agricultural loanRead More

    Agricultural loan

    Purpose
    To finance agricultural activities

    Loan amount
    The amount depends on the business financing needs

    Tenor
    Depending on production cycle

    Interest rate
    Base rate +/- margin basing on:

    • Level of the risk associated with the deal
    • Other business opportunities with us.

    Fees

    • File opening fee: RWF 25,000 + VAT
    • Search fee: RWF 20,000 + VAT
    • Arrangement fee: 2% + VAT

    Eligibility

  • Import LoanRead More

    Import Loan

    Purpose
    To bridge the funding gap between payments made to suppliers and cash generated by sales.

    Loan amount
    The amount depends on business financing  needs

    Tenor
    Depending on Cash convention cycle

    Interest rate
    Base rate +/- margin basing on:

    • Level of the risk associated with the deal
    • Other business opportunities with us.

    Fees

    • File opening fee: RWF 25,000 + VAT
    • Search fee: RWF 20,000 + VAT
    • Arrangement fee: 2% + VAT

    Read More

  • Overdrafts
  • Credit LineRead More

    Credit Line

    Purpose
    To  finance working capital

    Loan amount
    The amount depends on business financing  needs

    Tenor
    Maximum of  12 months

    Interest rate
    Base rate +/- margin basing on:

    • Level of the risk associated with the deal
    • Other business opportunities with us.

    Fees

    • File opening fee: RWF 25,000 + VAT
    • Search fee: RWF 20,000 + VAT
    • Arrangement fee: 2% + VAT

    Eligibility

    • Positive projected cash flows
    • Good

      Read More

  • Contract FinanceRead More

    Contract Finance

    Purpose
    To  finance the execution of the tender

    Loan amount
    Maximum of 70% of the contract amount

    Tenor
    Maximum of  12 months but depending on the expiry date of the contract

    Interest rate
    Base rate +/- margin basing on:

    • Level of the risk associated with the deal
    • Other business opportunities with us.

    Fees

    • File opening fee: RWF 25,000 + VAT
    • Search fee: RWF 20,000 + VAT
    • Arrangement fee: 2% + VAT

    Eligibility

  • Invoice DiscountingRead More

    Invoice Discounting

    Purpose
    To allow access on  funds  before the invoice get paid

    Loan amount
    Maximum of 70% of the invoice amount

    Tenor
    Maximum of  3 months but depending on the payments terms stated in the contract

    Interest rate
    Base rate +/- margin basing on:

    • Level of the risk associated with the deal
    • Other business opportunities with us.

    Fees

    • File opening fee: RWF 25,000 + VAT
    • Search fee: RWF 20,000 + VAT
    • Arrangement fee: 2% + VAT

    Read More

  • Business Temporally OverdraftRead More

    Business Temporally Overdraft

    Purpose
    To  finance the short term working capital cap

    Loan amount
    The amount depends on business financing  needs

    Tenor
    Maximum of  3 months

    Interest rate
    Base rate +/- margin basing on:

    • Level of the risk associated with the deal
    • Other business opportunities with us.

    Fees

    • File opening fee: RWF 25,000 + VAT
    • Search fee: RWF 20,000 + VAT
    • Arrangement fee: 2% + VAT

    Eligibility

  • Salary advanceRead More

    Salary advance

    Purpose
    To facilitate employees to access the salary before it is paid

    Loan amount
    Up to 60% of the monthly Net Salary

    Tenor
    Maximum of 30 days

    Interest rate
    Base rate +/- margin basing on:

    • Level of the risk associated with the deal
    • Other business opportunities with us.

    Fees

    • File opening fee: 0
    • Arrangement fee: 2% + VAT

    Eligibility

    • Employment contract with a stable institution
    • Positive Credit history
    • Read More

  • Off Balance Sheet Facilities
  • Letter of Credit (LC)Read More

    Letter of Credit (LC)

    Purpose
    To allow Import & Export of goods in a safe way.

    Loan amount
    Depending on business needs

    Tenor
    Maximum of 12 months

    Interest rate
    N/A

    Fees

    1. Import LC
      • “LC Opening/Advising commission (110% cash covered) 120% > YR”: 0.5 – 1 % per quarter  (Based on terms and Conditions)
      • “LC Opening/Advising commission (Collateral)”         : 1-2% per quarter (Based on terms and Conditions)
      • Commitment fee N/A
      • Adding confirmation: 0.5 % +

        Read More

  • Bid GuaranteeRead More

    Bid Guarantee

    Purpose
    Guaranteeing to the principal (Client in the tender) that our customer will undertake the execution of  the contact on winning the bid

    Loan amount
    The amount depends on business needs

    Tenor
    Maximum of 3 months

    Interest rate
    N/A

    Fees

    • Cash covered: Commission of 0.5% per quarter
    • Covered by another collateral: Commission of 1 – 2% per quarter
    • Guarantee handling fee: RWF 30,000

    Eligibility

  • Advance payment GuaranteeRead More

    Advance payment Guarantee

    Purpose
    Guaranteeing to the principal (Client in the tender) that the advanced amount will be returned if the agreement under which the advance was made cannot be fulfilled.

    Loan amount
    The amount depends on business needs

    Tenor
    Maximum of 12 months

    Interest rate
    N/A

    Fees

    • Commission: 1 – 2% per quarter
    • Guarantee handling fee: RWF 30,000

    Eligibility

    • Positive Credit history
    • Acceptable collateral

    Installment to Income Ratio
    N/A

    Read More

  • Performance/Retention GuaranteeRead More

    Performance/Retention Guarantee

    Purpose
    Guaranteeing to the principal (Client in the tender) that the contractor will perform all of their obligations under the contract.

    Loan amount
    The amount depends on business needs

    Tenor
    Maximum of 12 months

    Interest rate
    N/A

    Fees

    • Cash covered: Commission of 0.5% per quarter
    • Covered by another collateral: Commission of 1 – 2% per quarter
    • Guarantee handling fee: RWF 30,000

    Eligibility

    • Positive Credit history
    • Evidence of

      Read More

  • Contacts
  • Kigali Heights, 8th Floor
  • Plot No. 772, KG7 AVE,
  • Boulevard de L’Umuganda
  • P O Box 6774, Kigali, Rwanda
  • Tel: +250 788 149 555
  • Email: contact@cbagroup.com