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Small & Medium Enterprises Finance
“Khutwa” Program – Your Partner in Business Growth
At Housing & Development Bank, we believe in the crucial role of small and medium enterprises (SMEs) in driving economic growth, creating jobs, and ensuring sustainability. That’s why we designed the “Khutwa” Program—a comprehensive financing solution that gives your business the support it needs to expand and thrive.
With flexible financing options and tailored solutions, Khutwa is here to empower your journey toward success.
At Housing & Development Bank, we believe in the crucial role of small and medium enterprises (SMEs) in driving economic growth, creating jobs, and ensuring sustainability. That’s why we designed the “Khutwa” Program—a comprehensive financing solution that gives your business the support it needs to expand and thrive.
With flexible financing options and tailored solutions, Khutwa is here to empower your journey toward success.
Eligible Clients
• Small and medium enterprises with annual turnover between EGP 1 million till EGP 100 million.
Maximum Financing Limit
• Up to EGP 10 million, depending on revenue size.
Targeted Sectors
• Industrial
• Contracting
• Medical
• Commercial
• Services
Financing Types
• Short-term facilities (up to 1 year – renewable).
• Medium-term loans (up to 5 years).
• Long-term loans (up to 10 years) for purchasing administrative, commercial units, or clinics through real estate financing.
Financing Purposes & Coverage
• Working capital financing: as per business needs.
• Machinery & equipment purchases: up to 75%.
• Medical equipment for clinics/medical centers: up to 75%.
• Vehicles for business use (new/used): up to 90%.
• Office renovation and setup: up to 60%.
• Solar & renewable energy stations: up to 60%.
• Facilities secured by cash collateral: up to 90%.
• Settlement of government payments: up to 80%.
• Purchase of administrative/commercial units or clinics (real estate financing): up to 75%.
• Issuance of letters of guarantee: of all types.
- Company’s legal documents.
- Valid national ID copies of partners.
- Lease or ownership contract of business premises.
- Business license (if applicable).
- Registration with the Egyptian Federation for Construction & Building Contractors (for contracting companies).
- Audited financial statements.
- Quotations for machinery, equipment, medical devices, or vehicles to be financed.
Apply now on Small & Medium Enterprises Finance
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