Agricultural Development Bank Business Corporate Loans: Top Business Loan Solutions For SMEs In Nepal
10th July 2025, Kathmandu
Nepal’s banking sector actively supports business growth and entrepreneurship. Among leading banks, ADBL Agriculture Development Bank offers a diverse range of corporate and business loans. These products cater to various financial needs — from working capital management to large-scale infrastructure funding. Understanding these offerings is vital for businesses aiming to secure the right financing.
ADBL Business Corporate Loans
Industry Loan Scheme
Agricultural Development Bank Limited (ADBL) offers an Industry Loan Scheme targeting registered individuals, partnership firms, institutions, and companies. Eligible borrowers must be officially registered and have completed regular renewals with the relevant authorities.
The loan supports both working capital and fixed capital needs.
For working capital, borrowers can receive up to 80% financing based on their business plans and projected financial statements.
For fixed capital, financing can cover up to 70% of the required amount for project establishment, development, or expansion.
Loan terms vary depending on the capital type.
Working capital loans have a maximum tenure of 1 year.
Fixed capital loans can be extended up to 10 years.
The loan types differ as well.
Working capital loans are revolving in nature.
Fixed capital loans are non-revolving.
Borrowers must provide collateral such as project assets, land and buildings, or personal guarantees to secure the loan. This scheme aims to foster industrial development by providing structured and accessible financial support through ADBL.
Service Loan
Agricultural Development Bank Limited (ADBL) offers Service Loans to individuals, partnership firms, institutions, and companies that are officially registered and regularly renewed with the concerned authority. This loan facility is designed to support the financial needs of service sector businesses across Nepal, enabling them to manage both operational and expansion costs effectively.
The loan covers two main components: working capital and fixed capital. Working capital loans can finance up to 80% of the required amount, based on a well-prepared business plan and projected financial statements. Fixed capital loans provide up to 70% financing for project setup, development, or expansion purposes.
Key features of the loan include:
Tenure: Maximum 1 year for working capital and up to 10 years for fixed capital
Loan Type: Revolving for working capital and non-revolving for fixed capital
Collateral: Project assets, land/buildings, or personal guarantees
This scheme offers reliable and structured financial assistance tailored to strengthen Nepal’s service industry.
Hydropower And Alternative Energy Loan Scheme
Eligible borrowers for the Hydropower and Alternative Energy Loan include Nepali citizens residing permanently within the office’s operational area, as well as registered and regularly renewed individual firms, partnership firms, institutions, or companies.
The loan supports both working capital and fixed capital needs:
For working capital, financing covers up to 80% of the amount required to operate the project, based on the business plan and projected financial statements.
For fixed capital, up to 70% of the amount needed for project establishment, development, or expansion can be financed.
Loan tenure varies according to the capital type and industry nature:
Working capital loans have a maximum tenure of 1 year.
Fixed capital loans can extend up to 20 years, depending on the nature of the industry.
The loan structure is:
Revolving for working capital
Non-revolving for fixed capital
Collateral requirements include the project under construction, land and buildings, and personal guarantees. This scheme aims to encourage sustainable energy development with accessible and structured financing.
Saral Thekka Patta Loan Scheme
Eligible borrowers for the Saral Thekka Patta Loan include individual firms, partnership firms, or companies that are registered, regularly renewed, and hold valid licenses from the concerned authority.
The loan provides financing up to 50% of the total remaining amount of valid contract agreements. The loan tenure is a maximum of 1 year, and the loan is structured as a revolving credit facility.
Collateral requirements include land and buildings as well as personal guarantees. This loan scheme is designed to support businesses engaged in contract agreements by offering flexible and accessible financial assistance.
Hypothecation Loan Scheme
Eligible borrowers for the Hypothecation Loan include individual firms, partnership firms, institutions, or companies that are registered and regularly renewed with the concerned authority.
The loan amount can cover up to 50% of the total value of the stock of goods held by the borrower. The loan tenure is a maximum of 1 year, and the loan is structured as a revolving credit facility.
Collateral for the loan includes stock of goods, accounts receivable/debtors, as well as land and buildings, and personal guarantees. This loan scheme is designed to help businesses manage working capital needs by leveraging their existing inventory and receivables as security.
Business Complex and Housing Loan Scheme
Eligible borrowers include Nepali citizens residing within the office’s operational area, as well as registered and regularly renewed individual firms, partnership firms, or companies (also referred to as Developers).
The loan provides financing for:
Up to 60% of the total cost estimate, including approved architectural and structural drawings, for buildings or apartments under construction.
For the purchase of large buildings, up to 60% of the registered value (as stated in the property deed).
The loan tenure can be extended up to 10 years, and the loan is of a non-revolving nature.
Collateral requirements include the project under construction, associated land and buildings, and personal guarantees. This scheme supports developers and individuals in constructing or purchasing business complexes and housing projects with structured financial assistance.
Bridge Gap Loan Scheme
Eligible borrowers for the Bridge Gap Loan include individual firms, partnership firms, or companies that are registered and regularly renewed with the concerned authority.
The loan amount and terms depend on the project feasibility analysis and decisions made during the co-financing meeting, if applicable. Generally, the loan tenure is up to 6 months or until the disbursement date of the main loan. In the case of co-financing loans, the terms will follow the co-financing agreement.
Collateral includes the physical structures under construction at the project site, land and buildings, as well as personal or institutional guarantees. This loan scheme provides temporary financial support to bridge funding gaps during project implementation.
Trust Receipt Loan Scheme
Eligible borrowers include individual firms, partnership firms, companies, organized institutions, and entities with investment from the Government of Nepal that are registered, regularly renewed, and hold valid licenses for importing goods or have established letter of credit limits with the bank.
The loan amount can be approved up to 70% of the credit limit or letter of credit limit sanctioned by the concerned office. The loan tenure is a maximum of 120 days or as prescribed periodically by Nepal Rastra Bank. The loan is of a non-revolving nature.
Collateral includes the imported goods, as well as land and buildings, and personal guarantees. This scheme facilitates import financing by providing short-term credit against trust receipts.
Export Loan – Pre-shipment Loan
Eligible borrowers include individuals, partnership firms, companies, or institutions registered and regularly renewed with the concerned authority, holding export licenses or government investment. These borrowers must have received letters of credit and export orders.
The maximum loan amount can be up to 70% of the document value. The loan tenure shall not exceed 180 days or the earliest of the last shipment date, or as prescribed periodically by Nepal Rastra Bank. The loan is of a non-revolving nature.
Collateral includes documents mentioned in the letter of credit, stock, land and buildings, and personal guarantees.
Export Loan – Post-shipment Loan
Eligible borrowers are the same as for the pre-shipment loan: individuals, partnership firms, companies, or institutions registered and regularly renewed, holding export licenses or government investment, with export orders and letters of credit.
The maximum loan amount is up to 70% of the document value. The loan tenure is limited to 180 days or the earliest last shipment date, or as determined periodically by Nepal Rastra Bank. The loan is non-revolving.
Collateral includes export shipment documents or bills of lading, land and buildings, documents related to the letter of credit, and personal guarantees.
This loan scheme supports exporters by providing timely working capital before and after shipment to facilitate smooth export operations.
Advance on Credit (AOC) Loan Scheme
Eligible borrowers are customers who have ongoing letter of credit transactions with the bank.
The maximum loan amount is limited to the remaining payment amount of the letter of credit issued (opened) by the bank. The loan tenure is short-term and provided until the importer makes the payment, with a maximum duration of 90 days.
Collateral includes import documents for the goods, land and buildings, and personal guarantees.
This loan scheme supports importers by offering temporary financial assistance to cover outstanding payments on letters of credit, ensuring smooth import operations.
Credit Card Facility
Eligible borrowers are trustworthy Nepali citizens residing within the bank’s operational area.
The maximum credit limit is up to 2.5 times the monthly income or NPR 5 lakh, whichever is lower. The loan tenure is a maximum of 1 year, and the credit is of a revolving nature.
Collateral includes personal guarantees and proof of income sources.
This facility provides flexible credit access to eligible individuals, helping them manage short-term financial needs efficiently.
Guarantee Claim Loan
Eligible borrowers are customers who have bank guarantees.
The maximum loan amount is up to the amount of the guarantee issued by the bank. The loan tenure is up to 90 days, and the loan is of a non-revolving nature.
Collateral includes land and buildings as well as personal guarantees.
This loan scheme provides financial support to customers against bank guarantees, facilitating smooth business operations.
Credit Card Facilities for Personal Use
ADBL offers credit cards to trustworthy customers for personal financial needs.
Who Can Apply:
Citizens residing within the bank’s operating area.
Loan Limit:
Up to NPR 500,000 or 2.5 times the monthly income, whichever is lower.
Tenure:
Revolving credit facility with a one-year tenure.
Collateral:
Income proof and personal guarantees are required.
Guarantee Claim Loans: Backed by Bank Guarantees
These loans support clients who have obtained bank guarantees.
Loan Limit and Tenure:
The bank finances up to the guarantee amount, with a maximum term of 90 days.
Security:
Collateral includes land, buildings, and personal guarantees.
Wholesale Lending
Eligible borrowers include Nepali citizens residing permanently within the bank’s operational area, development banks, financial institutions, cooperatives/groups, and private investors (money lenders).
The maximum loan limits, tenure, and nature vary by borrower type:
Individual: Short-term loans up to NPR 8 lakh (revolving), and medium-term loans up to 5 years (non-revolving).
Development Banks: Short-term loans up to NPR 5 crore (revolving).
Financial Institutions: Short-term loans up to NPR 1 crore (revolving).
Cooperatives/Groups: Short-term loans up to NPR 50 lakh (revolving).
Private Investors: Short-term loans up to NPR 25 lakh (revolving).
Collateral requirements include matching funds, loan capital, land and buildings, and personal guarantees.
This scheme supports diverse borrowers with flexible financing options tailored to their business needs.
Choosing The Right Loan For Your Business
ADBL offers comprehensive loan products suited for diverse business needs in Nepal. Selecting the ideal loan depends on your business size, industry, financial status, and project goals. Evaluate the differences between revolving and non-revolving loans, collateral demands, and loan tenure before applying.
Engage with bank officials or financial advisors to tailor the financing structure that fits your growth plans. With the right support from ADBL Agriculture Development Bank, Nepali businesses can confidently expand and achieve sustainable success.
For more:- ADBL Business Corporate Loans
