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Byblos Bank

Kafalat Loans


Kafalat Innovative

Financing for new thinking

Need more cash to share your inspiration with the world? The Kafalat Innovative Loan from Byblos Bank is specially designed to help young companies make the most of their new ideas.

  • Financing

    Up to LBP 300 million

  • Repayment Period

    Up to 5 years

  • Kafalat Guarantee

    90% of principal

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Distinctive Features

  • Repayment Period

    Repayment Period

  • Repay the loan over a period of 5 years (including grace period) via equal monthly installments
You must be a recently established (maximum 2 years) S.A.L. or S.A.R.L.
You should have the relevant technical skills and a minimum of two years of work experience in the field 
You must present a business plan, complete with cash-flow prediction and feasibility study, that demonstrates the viability of the activity to be financed
Required Documents

Preliminary study prepared by the client detailing 3 scenarios

  • The forecasted cash flows over the total period of the loan
  •  Pro forma invoice of the items to be purchased with the loan
  •  Schedule of withdrawals


Personal documents required from the borrower

  • Copy of ID or passport, or extract of civil status
  •  Signed list of properties owned by client and/or guarantor
  •  Copy(ies) of title deed(s) of the property(ies)
  •  Proof of residence for personal addresses of shareholders


Documents related to the project

  • License to operate in Beirut. For other regions, municipality certificate is sufficient
  •  Investment permit for industrial companies and/or tourism permit
  •  Certified rental contract and/or document proving place of work (most recent) or real estate ownership if the location is owned by the client (title deed, etc.)
  •  Feasibility study is mandatory for all types of Kafalat loans and must be prepared by an expert in the borrower’s field of business


Financial documents

  • Declaration of income and financial statements for the past 2 years, dated and signed by the client
  •  Bank statement of accounts for the past 6 months
  •  Invoices, contracts, daily register, or any other document proving income
  •  Detailed list of clients with their due balances, dated and signed by the borrower
  •  Discharge receipt from municipality


Legal documents

  • Statement of the company’s public or private register of commerce (preferably both)
  •  Copy of company bylaws
  •  Recent certified Commercial Circular


Kafalat Innovative additional documents

  • Market study
  •  Appraisals of properties covering at least 100% of the loan amount 
  •  Audited financial and fiscal statements, including related notes
Conditions and Guarantees

Available only in LBP

Client must commit to a minimum contribution of 10% in personal equity (in kind or cash)
Life insurance that could be contracted through ADIR Insurance, a member of the Byblos Bank Group, covering 110% of the loan amount if continuity is not secured
Fire insurance that could be contracted through ADIR Insurance, a member of the Byblos Bank Group, covering stock, machinery and premises (if deemed necessary) 

No other guarantees are required – or allowed – under the Kafalat Innovative program

Example of Annual Percentage Rate (APR)
APR calculation includes stamp fees, Kafalat commission, and BDL filing fees
Currency: LBP
Loan amount: LBP 300,000,000
Loan period in years: 5
Grace period in months: 12 (included in the loan period)
Variable interest rate (regressive): 0.64%
APR: 2.684%

This Product Goes Well With

  • Visa Business Card

    Visa Business Card

    Save time and money
    • Keeps You in Control

      Less paperwork and lower costs

    • Monthly Limit

      Up to USD 20,000

    • Annual Fee

      USD 75

  • ATM Deposit Card

    ATM Deposit Card

    The freedom to grow
    • No Hidden Fees for Checks

      Same low commissions as at your branch

    • Less Hassle and Paperwork

      Up to 50 checks or notes per deposit

    • Extra Security

      Card doesn’t allow withdrawals

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