Subsidized loans 

 Subsidized loans 

Subsidized loans 

To realize and develop your projects


If you are a company operating in Lebanon, you can benefit from SGBL's loans subsidized by the Central Bank of Lebanon, to finance your agricultural, industrial, craft or IT projects.
Ideal formula


  • Loan to finance a new project or expand an existing one
  • Allocated amount ranges between LBP 50,000,000 and LBP 15,000,000,000 or c/v in USD or in Euro 
  • Annual interest rates settled quarterly::
    •  LBP: 2 years Lebanese Treasury Bills rate + 1%
    •  USD: 3 months LIBOR rate + 7%
    •  Euro: 3 months EURIBOR rate + 7%
  •  Repayment period ranges between 5 to 7 years


Central Bank's subsidy

 The Central Bank pays the interest to the borrower quarterly, as follows:


  • 1st payment: 7% on part of the credit amount up to LBP 5 billion or its c/v in USD or in EUR
  • 2nd payment: 5% on part of the credit amount up to LBP 5 billion and up to LBP 15 billion its c/v USD or EUR
  • If the loan amount granted to a single institution by banks,  financial institutions and leasing companies, is over LBP 5 billion, an  average rate of subsidy will be applied to all the loans
    More info
    • The loan requires prior consent from the Central Bank of Lebanon
    • The disbursement of the loan can be done in one or more settlements
    • The client starts to repay the loan after receiving the full allocated amount



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