LOANS TO SMEs & CORPORATES

loans LOANS TO SMEs & CORPORATES

  • Debit payment
  • Invoice approved

Overdraft services can help you tailor your account to your banking needs, in the event that you don’t have enough funds in your account to cover your transactions


We offer you a short term loan from 1 to maximum 12 months which is granted under the following conditions:

  • Have a major procurement contract.
  • Notification awarding tender.

Loans to customers wishing to buy a vehicle are granted provided under the following:

  • Letter of credit application.
  • Identification of the Vehicle to buy.
  • Preliminary Purchase Contract for the vehicle or Performa Invoice of the vehicle.
  • Valuation report of the vehicle from approved garages by the bank

Loans granted to customers for acquisition of equipment:

  • Acquisition of machinery
  • Acquisition of home and office furniture

Our team gets to know your name before your budget. We are friendly and easy to talk to — in person or by phone. We know you are making an important investment, which is why we invest personally in your experience.


Purchase a home (dwelling house, apartment, commercial, home, etc.) There's a home – and a loan program – that's right for your life and budget


Required documents:

  • The valuation report for the house to be acquired.
  • The preliminary purchase contract

Construction Loan

We offer the most competitive interest rate, with easy to access terms and conditions, so your dream house easily turns into reality


Required documents:

  • A description of the plot.
  • An architectural plan.
  • A Land Deed.
  • An bill of quantity/ cost of the works

Renovation Loan

Looking to renovate your current home or purchasing a home that may need some tender-loving care? We can assist with a Renovation Loan.


Required documents:

  • A description of the plot
  • An estimate of the work

We're ready when you are.

We will stick by your side from start to finish. We are also here to make sure all of your Home Loans questions are answered

  • An estimate of the work.

Tender Bond

The customer must submit:

  • RDB Certificate Registration
  • Identification
  • A copy of the Tender Document (Specifications or Bid Document).
  • Property documents of proposed collaterals.

Performance bond

The customer must submit:

  • RDB Certificate Registration.
  • A copy of the identity document.
  • A copy of the Tender Document.
  • A Final Notification of the Contract.
  • Property documents of proposed collaterals.

Advance Payment bond

The customer must submit:

  • A copy of the contract with domiciliation of payment through clients’ account at COGEBANQUE.
  • RDB Certificate Registration.

What is a Letter of Credit?


The letter of credit is also known as "Credit documentaire" in French, and is used to be written in abbreviation as L/C.


A letter of credit is a document issued by a financial institution, or a similar party, assuring payment to a seller of goods and/or services provided certain documents have been presented to the bank. The letter of credit can also be used to ensure that all the agreed upon standards and quality of goods are met by the supplier, provided that these requirements are reflected in the documents described in the letter of credit. In return for these documents, the beneficiary receives payment from the financial institution that issued the letter of credit.

The customer must submit:

  • RDB Certificate Registration
  • Identification
  • A copy of the Tender Document (Specifications or Bid Document)

BENEFICIARIES:

  • Cooperatives
  • Private farmers.
  • Private companies.

Short term tenure: 3 to 12 months.


Working capital payable over the duration of a growing season to purchase inputs during the period of early season before the harvest and also for payment of the labor work salaries etc.


Medium and Long term tenure: 1 to 10 years.

  • For the purchase of equipment.
  • Construction of infrastructure.