LAND BANK OF THE PHILIPPINES SME

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LAND BANK OF THE PHILIPPINES

SME & CORPORATE LENDING PROGRAMS

SME & CORPORATE LENDING PROGRAMS ELIGIBLE BORROWERS Sole Proprietorships Ø Partnerships Ø Ø Corporations

SME & CORPORATE LENDING PROGRAMS ELIGIBLE PROJECTS Acquisition of fixed assets, working capital (WC), or permanent WC for the Industry category ØManufacturing ØAgri business and processing Service sectors and ØTrading

SME & CORPORATE LENDING PROGRAMS CREDIT FACILITIES A. Short Term Loans Short Term Loan Line (STLL) To finance or augment working capital requirements of borrowers

SME & CORPORATE LENDING PROGRAMS CREDIT FACILITIES A. Short Term Loans Standby Letter of Credit (SLC) original contract. Omnibus Credit Line (OCL) To guarantee payment of loans or performance of an agreed service over a certain period of time in case of failure of borrower to comply with the terms of the A flexible line wherein more than one type of credit line can be availed of. Export Packing Credit Line (EPCL)A short-term facility extended to an exporter who is a beneficiary of a valid export LC/ confirmed PO; designed to assist exporters for their pre-shipment needs. Export Bills Purchase Line (EBPL) A post-export facility where the Bank purchases export documents of clients to give them ready access to cash.

SME & CORPORATE LENDING PROGRAMS CREDIT FACILITIES B. Long Term Loans Term Loan (TL) To finance acquisition of fixed assets such as machinery or equipment construction of buildings/warehouses, etc. ; Permanent Working To finance the initial operating cost of Capital projects.

SME & CORPORATE LENDING PROGRAMS INTEREST RATES Short Term Loan Prime rate + minimum spread of 3% per annum Long Term Prime rate + minimum spread of 4% per annum TERM Short Term Loan Lumpsum upon maturity Long Term Maximum of five (5) years, inclusive of maximum two (2) year grace period

SME & CORPORATE LENDING PROGRAMS COLLATERAL Ø Hold-out on Deposits Ø Real Estate Mortgage Ø Chattel Mortgage on machineries/equipment Ø Other collateral acceptable to the bank

SME & CORPORATE LENDING PROGRAMS PRE-PROCESSING REQUIREMENTS 1. Audited Financial Statements with Auditor’s Report for the past 3 years; 2. Interim Financial Statement, if applicable; 3. BIR-stamped Income Tax Returns for the past 3 years; 4. DTI or SEC Registration Certificate; 5. Mayor’s Permit (current year); 6. Articles of Incorporation and By-Laws; 7. Board Resolution to borrow designating signatories;

SME & CORPORATE LENDING PROGRAMS PRE-PROCESSING REQUIREMENTS 8. Secretary’s Certificate on incumbent officers & stockholderswith correspondingsubscribed and paid-up capital; 9. Pictures of the project and collateral; 10. Project Feasibility Study for projects; and 11. Copies of collateral. documents start-up pertaining to

For more details, please visit us – 2 nd Flr. , LBP Bldg. Rizal St. , Legazpi City Or call 052 -4806887/4806888

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