Sana Byawasai Karja

Laxmi Sunrise Sana Byawasai Karja helps aspiring entrepreneurs grow their businesses in all markets across the country – urban, semi-urban, and remote. This loan is devised for small size business, and it is also convenient for startups that are less than a year old!Sana Byawasai Karja from Laxmi Sunrise can help you achieve your dreams of taking your cottage industries and startups to the next level. This loan is extended to finance all expenses related to:

  • Capital Expenditure:
    • Fixed Assets
    • Vehicles
  • Working Capitals:
    • Overdraft
    • Short Term Loan
    • Mid Term Loan
    • Trust receipt & Other Invoice Financing

You can either apply online or walk into any of our branches near you.

Why should you choose Laxmi Sunrise?

Term Loan up to 10 years

Up to 80% financing

Fixed Assets financing up to 75% of FMV

Financing Terms & Conditions

Small Business Enterprises

  • Max loan amount: NPR 30 Mio
  • Max loan tenure: 10 years
  • Loan extension
    • Overdraft facility up to 70% of Net Trading Asset
    • Debt Service Coverage Ratio: 1.35:1 or better
    • FMV = 1:1 & (0.90:1 In case of Overdraft Only)
    • Minimum 5% for Bid Bond / Performance Bond

Startups

  • Max loan amount: NPR 20 Mio
  • Max loan tenure: 10 years
  • Loan extension
    • Overdraft facility up to 70% of Net Trading Asset
    • Debt Service Coverage Ratio: 1.35:1 or better
    • FMV = 1:1 & (0.90:1 In case of Overdraft Only)
    • Minimum 5% for Bid Bond / Performance Bond

Borrowing Power Calculator

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These rates may be subjective to change according to NRB policies

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