Under the BB Refinance Scheme, interest rates are lower than standard SME products — because Bangladesh Bank subsidizes the cost of funds. This directly reduces the financial burden on SME borrowers, enabling more affordable EMIs and better cash flow management.
Bangladesh Bank’s refinance scheme targets real economic impact — employment, entrepreneurship, and financial inclusion — by making credit accessible to productive SME businesses.
Encourages growth in manufacturing, services, trading, and other productive SME segments.
Brings entrepreneurs with limited conventional financing access into formal credit channels.
Supports employment generation, value chain activity, and regional business expansion.
Operates under formal Bangladesh Bank refinance circulars, reporting norms, and regulatory guidelines.
Our participation in Bangladesh Bank’s refinance facility gives SME clients access to simple, transparent, and affordable financing with dedicated support.
Applicants must meet the following criteria under both institutional and Bangladesh Bank policy requirements.
At least 2 years of continuous business experience and operation in the relevant sector.
The business must be an active, ongoing concern with verifiable operational history.
Sole proprietorship, partnership, or private limited company within SME classification.
Valid trade license and at least 1 year of bank statement reflecting business transactions.
Two financially capable guarantors with proper identification and acceptable credit background.
Advance rental deed or possession deed for business premises as applicable.
Meet our team for a product briefing and preliminary eligibility discussion.
Submit required business documents and financial information for review.
Full credit, risk, and compliance assessment under BB refinance framework guidelines.
Approval communication, document completion, and loan disbursement arrangement.
Scheme availability, pricing, facility structure, and eligibility criteria may change based on Bangladesh Bank policy updates and institutional credit decisions. Please contact our team for the most current terms before applying.
Talk to our SME specialists today. We will guide you through eligibility, documentation, and the complete application process.