DBJ production sector loans are granted for:

• Tourism
• Manufacturing
• Mining
• Agro-industry

Funds may be used to finance the following activities:

• Purchase and installation of machinery and equipment (new or used)
• Construction and renovation of factory and tourist accommodation
• Purchase of movable fixed assets
• Rehabilitation of existing enterprises
• Provision of permanent working capital as part of the project fund

Eligibility Criteria

Approval will be considered for loans meeting the following criteria:

• Customer's contribution of at least 30% of the project cost
• A maximum debt-to-equity ratio of 3:1
• A maximum debt-to-service-coverage ratio of 2:1
• Projects must make a positive contribution to the country's economic development (e.g., creating employment, generating foreign exchange)
• There must be a competent management structure in place
• There must be good prospects of profitable return

Foreign Currency Loan Repayment Criteria

Foreign currency loans are available for projects involving exports. They must be repaid in the foreign currency, usually over a one-year period.