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Concessional loans up to RWf 5 billion for Rwandan SMEs in manufacturing, agro-processing, textiles and construction, at 8% interest for smaller amounts. You must be registered, operational for 3 years, employ at least 5 staff, and apply through a participating bank.
Concessional financing facility delivering blended-rate loans through participating financial institutions (PFIs) for SME growth, export competitiveness, and job creation. Rates: 8% concessional for amounts below Rwf 300M; blended (60% at 8%, 40% at commercial rate) for larger amounts.
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Registered SMEs with operational track record. Must apply through participating financial institutions (banks, microfinance). Collateral required (discretion-based). Deployment timeline: PFIs have 6 months to disburse. Eligible sectors: agriculture, manufacturing, education, energy, urbanization.
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The participating financial institution reviews your application, business plan, and financial projections to assess viability and repayment capacity. Collateral requirements are set at the bank's discretion. The BDF provides a guarantee covering 50–75% of the loan amount at its discretion, which supports the bank's lending decision. Once approved, disbursement typically occurs within 6 months.
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For loans below RWf 300 million, the rate is a concessional 8%. For larger amounts, the rate is blended: 60% of the facility at 8% and 40% at your bank's commercial rate.
The Investment Window offers up to 15 years with a possible grace period of 3 years. The Working Capital Window offers up to 5 years with a grace period of 1–3 years depending on business size.
It depends on your business size and the window. Small businesses (turnover below RWf 500 million) can borrow up to RWf 500 million for Investment or RWf 300 million for Working Capital. Medium and large businesses can access higher amounts up to RWf 5 billion under Investment.
Collateral requirements are at the participating bank's discretion. The BDF guarantee (50–75% coverage) reduces but does not eliminate collateral needs.
You can access the Investment Window if you operate in the eligible sectors and meet the business size criteria. You can access the Working Capital Window only if you also demonstrate a minimum 20% sales reduction compared to pre-COVID-19 levels.
Guide written from the official programme page on 31 October 2026. Funders change their rules, so confirm the details on the official page before you apply.
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Rwanda