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
- Competitive interest rate: Base Rate + 1%
- No prepayment charges
- 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
Sambriddha Laxmi Karja
Targeting aspiring and established women entrepreneurs in Nepal, corroborating the Bank's 'WE4HER' (an initiative fostering women's entrepreneurial success)
- Max loan amount: NPR 50 Mio
- Max loan tenure: 10 years
- Loan extension
- Cash Credit up to 80% of Net Trading Asset
- FMV = 1:1
- Fixed Asset Financing
- Vehicle: Up to 75% of Purchase price / FMV of vehicle
- Other Fixed Assets: Up to 80% of Purchase price / FMV
Borrowing Power Calculator
Find out how much can you borrow with your current income.
Apply for a Loan
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