·        loans of up to $100,000 at a competitive interest rate for a maximum of three years (purchase of commercial real estate for 5 years)

·        professional consultations  

·        opportunity to bigger financing through referrals to SME Mittal on growth of business

·        a credit line which ensures long-term relationship with financial partner as well as eliminating need to re-register collateral

“Tabys” Secured Loans are offered to micro enterprises for business expansion and require hard collateral depending on the loan amount. They salaried individuals up to $12,000. Benefits include:

·        loans of up to $35,000 at a competitive interest rate for a maximum of three years

·        less stringent income criteria to determine loan eligibility for salaried individuals

·        a credit line which ensures long-term relationship with financial partner as well as eliminating need to re-register collateral

“Shanyrak” Residential Mortgage Loans are offered to entrepreneurs for commercial as well as residential real estate purchases and constructions. We target low and middle income individuals, and give loans for construction not just in cities, but in suburban and rural areas.  Loan decision is made based on cash flow analysis, not on value of real estate. Benefits include:

·        loans of up to $100,000 with repayment over five years buying real estate, and up to $50,000 over three years for construction

·        no down payment requirements, keeping in mind that many small businesses do not have the enough capital for a down payment

·        safety clauses to minimize risky underwriting for ACF

·        easy accessibility of loans to clients not registered in cities, who have traditionally had difficulty in procuring such loans from banks