Housing & Development Bank Provides Financial Services for all sectors with special rates:-

• 5% according to CBE initiative for Small Enterprises except Commercial Companies
• 15% according to the initiative of the Council of Ministers to finance companies whose annual revenues or net sales up to 50 million EGP or more to finance (working capital, financing for the purchase of machinery and equipment) for industrial, productive agricultural companies, and companies working in the field of new and renewable energy.
  
• Excellent Rate for small projects to the initiative of MSME, with a maximum of  5 million EGP for financing.
• Excellent Rate For All Sectors that doesn’t fit CBE initiative
  

Target Sector for example:-

• Industry Sector –Commercial Sector –Construction-Pharmacies-Clinics and medical Centers- Microfinance Co.-Leasing Co. –Service Sector –Agricultural Sector ….

Housing & Development Bank Provides Non-Financial Services:

• Business registration and licensing procedures
• Starting your business and conducting feasibility studies
• Facilitating access to Finance
• Networking with vendors and targeted markets
• Sharing knowledge and information on SMEs

CBE definition on the enterprise segmentation:

Annual Revenues from EGP 1 M to less than EGP 50 M.

Industrial companies: Paid in Capital from EGP 50 K to less than EGP 5 M
Medium Enterprise: Existing companies:

Annual Revenues from EGP 50 M to EGP 200 M

Industrial companies: Paid in Capital from EGP 5 M to less than EGP 15 M

Non-industrial companies: Paid in Capital from EGP 3 M to less than EGP 5 M