a. Start Up Working Capital needs
b. Machinery, Equipment & Other Fixed Assets
c. Acquisition on enhancement of factory and office facilities

a. Working Capital

Overdraft or term loan - 5% - 8% of estimated annual sales /income  
Revolving Loans - up to 75% of working assets. 

b. Machinery/Equipment/Fixed Assets - maximum 75% of cost

Maximum 7 years for Fixed Assets.

1. Overdraft - on demand with annual review.
2. Revolving Loans - 3 to 6 months repayment.
3. Real property loans – 15 years maximum.

Rates for Overdrafts/Revolving Loans are reviewed annually

Depending on circumstances:-

a. Fixed monthly installments
b. Interest only with provisions for periodic lump sum payments in line with projected cash flow