BUSINESS BANKING
>>
FINANCING
SME FINANCING SCHEME
 
 
For your business to succeed and grow, building capital is just as important as having the passion and the right business idea. Baiduri SME Financing Scheme offers a range of comprehensive facilities for your business to achieve a greater level of success.

BENEFITS AT A GLANCE

  • Get short-term or medium-term capital to expand or operate your business
  • Use your commercial property, residential property or cash as security
  • Enjoy sufficient cash flow to support an unsecured or partially secured loan

ELIGIBILITY

  • Minimum of 3 years in business operations
  • Minimum of BND100,000 in business annual turnover
  • Establishment Registered / Incorporated in Brunei Darussalam

FEES AND CHARGES

  • A one-off processing fee applies upon loan application
  • Fee is dependent on loan amount and type of security offered

1

SME Working Capital

An overdraft facility to help you meet your business’ monthly expenses and stock purchasing requirements.

BENEFITS

  • Flexible credit arrangement
  • Interest calculated daily based on amount utilised and charged monthly

2

SME Instalment Loan

Enjoy a flexible solution to support your business growth, expansion and other business purposes.

BENEFITS

  • Flexible repayment options from 1 to 3 years
  • Premium benefits

3

SME Indent Financing

A variable facility to help you source out and import necessary goods after securing a sales order based on Indent or Purchase Order from the Brunei Government, semi-government organisations and other companies.

BENEFITS

  • Flexibility of a Term Loan at a fixed rate on a short-term basis. Reset the interest rate every 30, 60, 90 or 120 days
  • Monthly service interest and principal, plus interest at the end of the loan tenor or upon payment receipt
  • Upfront collection of interest. Principal repayment to be collected upon receipt of payment or end of Loan Tenor

4

SME Account Receivables Financing

Assign your receivables to us and receive financing for a percentage of the invoice value1. We accept invoices from the Brunei Government, semi-government organisations, and other companies.

BENEFITS

  • Potential to generate significant profits by accessing supplier discounts for early payment
  • Funding is provided without tying up real estate or other fixed assets, allowing them to be utilised for other
  • Eliminates the need to offer your customers early settlement discounts for payments

1 Amount of financing is subject to the Bank’s evaluation and sole discretion.

5

SME Property Financing

Secure the funds you need to purchase commercial/shop house for your business, or to purchase property for staff quarters, warehouses, etc.2

BENEFITS

  • Flexible repayment choice of 1 to 9 years

2 The scheme does not cover financing for the purchase of an owner-occupied residential property.

 

Terms and conditions apply.

For more information or assistance, contact us at 244 9666 or visit your nearest Baiduri Bank branch.

 
Baiduri Bank © 2017 All rights reserved.