The Working Capital Guarantee

Provides up to 80% of the loan amount as collateral/security For loans up to a maximum of $200,000 Borrower should have security of 20% of the loan amount and 10% equity in the project The guarantee is available for 5 years

Loan Features

Learn about the features of the Working Capital Guarantee loan.

  • Use of Funds: Working Capital needs as businesses get back to normal.

  • Offer Period: Until February 2024

  • Maximum Loan Value: $200,000

  • Maximum Guarantee Value: $160,000

    • Maximum Guarantee Percentage: 80%

    • Equity Contribution: 10%

    • Collateral Required: 20%

    • Debt Service Ratio: 1.10:1

      • Tenor of Guarantee: 5 years

      • Interest Rate: Set by Participating Lender

      • Age of Business: >2 years

      • Special Conditions Development of a sinking fund allowed. 1 year moratorium on principal repayment allowed

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