Everest Bank Limited Offers SME Loans for Business Expansion

29th September 2026, Kathmandu

Everest Bank Limited provides Small and Medium Enterprise SME Loans to support capital needs across various commercial sectors.

Everest Bank SME Loans 

Designed to fund working capital requirements and fixed capital expenditures, this financing facility assists enterprises involved in trading, manufacturing, production, processing, and service industries.

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Core Financing Facilities and Credit Limits

• Maximum Financing Limit: Credit facilities available up to 1000.00 Lac Nepalese Rupees
• Working Capital Facilities: Provided through Overdraft OD, Short Term Demand Loan STDL, Demand Loan DL, Trust Receipt TR, Letter of Credit LC, and Bank Guarantee BG
• Term Loans: Fixed tenure loans intended for long term capital investments, including commercial vehicle purchases

Eligibility Criteria for Borrowers

• Official registration with relevant government authorities, municipalities, or rural municipalities
• Business enterprise with a paid up capital limit of up to 1500.00 Lac Nepalese Rupees
• For startup businesses operating for less than 1 year, proprietors, partners, directors, or key executives must possess a minimum of 1 year of prior experience in a similar line of business or family enterprise

Collateral and Security Requirements

• Primary Security for Working Capital Loans: Hypothecation of commercial inventory stock, book debtors, assignment of current assets, trade bills, and business receivables
• Primary Security for Term Loans: Hypothecation of specific fixed assets financed by the bank
• Non Fund Based NFB Facilities: Cash margin requirement determined based on risk assessment

Loan Tenure and Repayment Terms

• Working Capital Loans: Structured as 1 year revolving facilities subject to annual renewal based on satisfactory account operations
• Term Loans: Flexible repayment schedules extending up to 10 years
• Insurance Mandate: Comprehensive property and asset insurance coverage aligned with standard bank insurance clauses

Empowering Small and Medium Enterprises in Nepal

Everest Bank Limited SME Loans offer structured financing solutions to foster local entrepreneurship. By combining high credit caps with flexible working capital options, the bank enables growing businesses to maintain liquidity and fund long term expansion plans.

For More: Everest Bank SME Loans