Develop your business 


To answer your needs of investment and development, SGBL proposes you KAFALAT loans, several financing formulas subsidized by the Central Bank of Lebanon and guaranteed by Kafalat.
Favorable terms
  • KAFALAT targets several sectors: industry, agriculture, tourism, high technology etc.
  • And finances various needs:
    • Construction, renovation or expansion of a professional premises
    • Machinery and equipment
    • Raw materials
    • Working capital
  • In addition to the previous, Kafalat Plus and Kafalat Innovation finance the cost of establishment, research and development, marketing and promotion of your project
  • Preferential interest rates reaching as low as 0% after BDL subsidy
  • Interests refunded by BDL quarterly at a maximum rate of 7%
Various options to suit your different needs

Kafalat BASIC:

  • Maximum amount LBP: 300,000,000 or its c/v in USD.
  • Maximum reimbursement period 7 years (including the partial grace period)
  • Eligibility: Individuals or institutions
  • Kafalat Guarantee: 75%


Kafalat PLUS :


  • Maximum amount: LBP 600,000,000 or its c/v in USD
  • Maximum reimbursement period 7 years (including the partial grace period)
  • Eligibility: Corporations (SAL or SARL)
  • Kafalat Guarantee: 85%




  • Maximum amount: LBP 300,000,000
  • Maximum reimbursement period 5 years (including the partial grace period)
  • Eligibity: Corporations who can bring an innovation on the market
  • Kafalat Guarantee: 90%
More info


  • Disbursement can be made in several settlements in accordance with the rate agreed on between the client and the bank
  • Cost of Kafalat guarantee, paid out on the amount subject to the guarantee:
    • Following the loan disbursement: 2.5% of the initial amount
    • Starting the 2nd year: 2.5% on the remaining amount due at the yearly date of anniversary of the Kafalat guarantee grant

© SGBL 2011 netways
List of banks N° 19, Decree N° 2496, dated 13/08/1953