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  • Terms and Tarrif
 

Loan

Empower your dreams with our range of loan products designed to fit your lifestyle and goals. Benefit from competitive rates, flexible terms, and fast approvals.

Term Loan Products

Loans granted for working capital or project finance, repayable within a specific period with interest.

Agricultural Input Loan

Short-term loan for purchasing and distributing fertilizers, improved seeds, and other agricultural inputs.

Commercial Farming Project Term Loan

Short to long-term loan for modern commercial agriculture ventures producing for the export market.

Commercial Farming Working Capital

Short to long-term loan for working capital needs of modern commercial agriculture ventures producing for the export market.

Coffee Plantation Loan

Loan for coffee plantations, requiring guards for farm protection, excluding forest coffee as equity or collateral, with land holding/lease rights binding until one year after the loan tenure.

Channel Financing

Short-term loan provided after a prominent customer offers an unconditional letter of guarantee to CBE or other acceptable collaterals.

Urban Utilities Financing

Short and medium-term loan for individuals or companies supplying urban utilities.

Consulting Firm Financing

Short-term loan for working capital financing of business professionals engaged in professional services.

Inter-bank Lending

Short-term loan to alleviate liquidity shortages of other commercial banks.

Import Letter of Credit Settlement Loan

Loan to convert outstanding import letter of credit document values into a merchandise or term loan for up to one year.

Infrastructure Construction Term Loan

Working capital term loan for contractors with valid contracts from Federal or Regional Government offices or Public Enterprises.

Motor Vehicle Loan

Term loan for purchasing motor vehicles for borrowers in the transport and other business sectors.

Motor Vehicle Loan for Exporters

Loan to finance exporters’ fixed asset investments in motor vehicles.

Construction Machinery Loan

Loan for purchasing construction machinery.

Special Construction Machinery & Dump Truck Loan

Loan for purchasing brand-new construction machinery, targeted for contractors with valid government or public enterprise contracts.

Investment Financing for Industrial Parks

Loan for acquiring fixed assets like machinery, equipment, furniture, and vehicles for enterprises in industrial parks.

Partial Financing

Loan to expedite recovery of non-performing loans and foster disposal of acquired properties.

Syndicate Loan

Shared loan between CBE and other financiers due to the volume of funds and risk involved.

Micro-finance Institution Loan (Medium Term)

Credit to Microfinance Institutions to alleviate financial constraints in providing credit to micro-entrepreneurs.

Credit Against DBE Guarantee for Start-ups and MSMEs

Loan for start-ups and MSMEs backed by Development Bank of Ethiopia guarantees.

Housing Development Loan

Loan for government organizations via coupon bonds and Ministry of Finance guarantees, with a maximum 10-year maturity.

Loan Against Corporate Bond

Loan for public enterprises against issued coupon or term bonds to finance their needs.

Lease Financing

Loan for purchasing capital goods, constructing factory-related buildings, and working capital.

MSMEs Seed Loan

Seed loan to support micro, small, and medium enterprises.

Overdraft Facility

Credit facility allowing customers to draw beyond their current account deposits for day-to-day business operations, repayable on demand.

Overdraft Facility for Exporters

Loan for customers in export businesses or generating foreign currency.

Overdraft Facility for Non-Exporters

Overdraft for non-exporting businesses, ideal for SMEs, retail, service providers, start-ups, and manufacturers.

Merchandise Loan Facility

Short-term credit secured against merchandise or documentary evidence like Railway Receipts, Warehouse Receipts, or Airway Bills.

Merchandise Loan for Exporters

Financing secured against merchandise or documents to help exporters manage cash flow by freeing up capital tied in inventory.

Merchandise Loan for Non-Exporters

Financing secured against merchandise or documents to help non-exporters manage cash flow.

Warehouse Receipt Financing

Merchandise loan for ECX members and clients, secured by warehouse receipts issued by the Ethiopian Commodity Exchange.

Pre-shipment Credit Facility

Loan for purchasing raw materials, processing, warehousing, packing, and transporting goods until shipment.

Pre-shipment Credit Facility

Supports the purchase of raw materials, processing, and logistics until goods are shipped.

Letter of Credit Facility

Facility for importers requiring a percentage payment of the document’s value when opening a letter of credit.

Import Letter of Credit Facility

Available to customers engaged in import businesses or importing for various purposes.

Letter of Guarantee Facility

Bank guarantee to pay a specific amount to a beneficiary if the obligor fails to meet contract obligations.

Letter of Guarantee Facility

Written promise to pay a beneficiary (local or foreign) if the obligor fails to fulfill contractual obligations.

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        Ras Desta Damtew St,

        01, Kirkos, Addis Ababa,Ethiopia.

        Tel1:251-551-50-04,

        Fax: 251-551-45-22

        SWIFT Code: CBETETAA

        Email: info@cbe.com.et

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