Nabil Bank SME Loan Nepal: Affordable Micro & Small Business Financing
9th June 2025, Kathmandu
Small and micro enterprises (SMEs) form the backbone of Nepal’s economy. They generate jobs, stimulate local trade, and foster innovation throughout the country.
Nabil Bank SME Loan Nepal
Recognizing their importance, Nabil Bank offers a specialized credit product—the Small & Micro Enterprises Loan. This loan is tailored to support new startups and growing businesses alike, providing them with the financial resources necessary for success.
Affordable Interest Rates For Small Businesses
One of the key advantages of this loan is its competitive interest rate. The rate is based on Nabil Bank’s base rate plus a 2% premium. This keeps the loan affordable for small business owners while ensuring manageable repayment schedules. With this predictable and transparent pricing, entrepreneurs can better plan their cash flow and budget.
Loan Amounts And Eligibility Criteria
Entrepreneurs can borrow up to NPR 1.5 million per borrower or business unit. This amount is suitable for purchasing essential equipment, raw materials, inventory, or meeting other capital requirements. The loan is available to individuals aged between 18 and 65 years, making it accessible to both young entrepreneurs and experienced business owners.
Flexible Repayment Options To Suit Your Business
The Small & Micro Enterprises Loan offers a repayment tenure ranging from 1 to 6 years. Borrowers have the flexibility to select a term that best aligns with their business plans and income cycles. For term loans, repayments are made via monthly Equated Monthly Installments (EMIs). For working capital loans, quarterly repayments apply. These options ease financial pressure and help businesses manage cash flow effectively.
Simple And Secure Collateral Requirement
To secure the loan, borrowers must provide a registered mortgage on land or buildings owned by themselves, a business partner, or a promoter. This collateral requirement not only safeguards the bank’s interest but also enables borrowers to access higher loan amounts at lower interest rates compared to unsecured options.
Transparent Fee Structure
Nabil Bank maintains a clear and fair fee structure for this loan. Borrowers pay actual fees for Credit Information Center (CIC) reports and Search & Title Reports (STR). Additionally, a Loan Arrangement Fee (LAF) of 0.75% of the total loan limit is charged. This transparency ensures borrowers face no hidden costs and can plan their finances confidently.
Fast And Efficient Loan Processing
For busy entrepreneurs, time is of the essence. Nabil Bank guarantees a quick turnaround time (TAT) of just 7 working days after submitting all required documents. This fast processing means businesses can seize opportunities without delays and maintain smooth operations.
Supporting Growth, Innovation, And Self-Reliance
The Small & Micro Enterprises Loan is more than just a financial product. It is a catalyst for economic growth and self-reliance. By providing startups and growing ventures with access to capital, the loan helps create new jobs, increase productivity, and promote local innovation. It strengthens Nepal’s economy, especially in rural and underserved areas, by empowering entrepreneurs to build sustainable businesses.
Why Choose Nabil Bank’s Small & Micro Enterprises Loan?
Ideal for Various Business Types: This loan caters to manufacturers, traders, service providers, self-employed individuals, and home-based businesses. It’s designed to reach entrepreneurs often underserved by traditional banking.
Supports Both Startups and Expansion: Whether launching a new venture or scaling an existing one, the loan covers capital for equipment, infrastructure, inventory, and working capital.
Flexible Terms and Repayment: Choose repayment periods between 1 to 6 years. Repay conveniently via monthly EMIs or quarterly installments, depending on the loan type.
Quick and Hassle-Free: Minimal documentation is required, and loan processing completes within 7 working days, offering fast access to funds.
Removes Financial Barriers: The loan’s clear structure helps overcome challenges many startups face, such as lack of collateral or complex approval processes.
Transparent Pricing: With a defined interest rate and clear fees, borrowers avoid surprises and can plan their finances effectively.
Property-Based Collateral: Using land or buildings as security enables better loan amounts and lower interest rates than unsecured borrowing.
Builds Credit History: Timely repayments help entrepreneurs establish a formal credit record, opening doors for future financing.
Boosts Local Economy: By supporting SMEs, the loan promotes job creation and economic development in local communities.
Conclusion
Nabil Bank’s Small & Micro Enterprises Loan offers a smart, affordable, and flexible financing solution for Nepal’s entrepreneurs. It removes financial barriers, accelerates growth, and empowers business owners to turn ideas into thriving enterprises. If you want to start or expand your business with confidence, this loan is the right choice.
Visit your nearest Nabil Bank branch today, prepare your documents, and apply for the loan. With the right financial support, your business success is within reach.
For more: Nabil Bank SME Loan Nepal
