What Are Commercial Loans?
Our Commercial Loan facilities offer businesses the liquidity and flexibility they need to grow, operate efficiently, and seize new opportunities. Whether you need short-term working capital, asset acquisition financing, or specialized trade finance solutions, LBDI provides tailored commercial credit products with competitive rates and manageable terms.
Loan Tenure: Up to 24 months | Purpose: Working capital, inventory, trade finance, and business operations
Types of Commercial Loans
Overdrafts
Temporary and regular short-term facilities for up to 9 months to manage working capital and cash flow gaps efficiently.
- Temporary overdrafts
- Regular overdraft facilities
- Up to 9 months tenure
- Flexible utilization
- Working capital management
Short-Term Loans
Credit facilities with flexible tenure up to 12 months designed for operational needs and business expansion opportunities.
- Up to 12 months tenure
- Business operations
- Expansion projects
- Quick disbursement
- Competitive rates
Lease Discount
Specialized financing for asset acquisition with repayment periods not exceeding 24 months, ideal for equipment and machinery.
- Equipment financing
- Machinery acquisition
- Up to 24 months
- Flexible lease terms
- Asset-backed security
SME Loans
Specifically designed to support small and medium enterprises with repayment flexibility up to 24 months for business development.
- For SMEs of all sectors
- Up to 24 months tenure
- Business growth financing
- Customized terms
- Quick approval process
Trade Finance
Comprehensive facilities supporting import/export activities including Letters of Credit and trade-related financing solutions.
- Letters of Credit (LC)
- Import financing
- Export financing
- Trade guarantee
- Supplier financing
Apex Loans & Personal Loans
Specialized programs for institutional employees and salaried individuals with flexible repayment terms and employer guarantees.
- Apex: Up to 1/3 salary
- Personal: Up to 18 months
- For employees only
- Employer guarantee/insurance
- Salary assignment option
Competitive Interest Rates
12% – 14.25%
Per annum
12% – 14%
Per annum
Note: Exact rates depend on business credit profile, collateral type, loan amount, repayment tenure, and current market conditions. Contact our commercial lending team for customized rate quotes based on your specific business needs.
Key Loan Requirements
To ensure transparency and expedite loan approval, we require the following documentation:
Business Documentation
- Business Registration Certificate
- Board Resolution (where applicable)
- Articles of Incorporation
- Valid business identification
- Authorized signatory documents
Financial Documentation
- Audited Financial Statements (2 years minimum)
- Management Accounts (where applicable)
- Banking relationship evidence
- Suppliers’ information
- Bank(s) information
Operational & Collateral
- Management Profile
- Market Information
- Fixed Asset Listing (where applicable)
- Inventories Listing (where applicable)
- Insurance documentation (where applicable)
Application & Approval Process
Application Submission & Document Review
Credit Appraisal
Approval & Offer
Disbursement
Ready to Grow Your Business?
Let LBDI Bank provide the commercial financing your business needs. Our experienced team is ready to work with you on flexible solutions tailored to your business objectives.
