Lamunin SMEDAN/Sterling lamuni ne mai lamba guda ɗaya wanda aka yi niyya ga kasuwancin Nano, kanana da matsakaita a Najeriya, wanda aka tsara don taimakawa da haɓaka haɓaka kasuwanci tare da ba da gudummawa ga haɓakar tattalin arzikin Najeriya. Wannan wani bangare ne na kokarin Bankin Sterling na ci gaba da tallafa wa kananan ‘yan kasuwa a kasar nan don bunkasa da bunkasa kasuwancinsu, wanda ya yi daidai da umarnin SMEDAN.
Sterling, mai himma sosai ga ci gaban kasa, ya yi alkawarin bayar da lamuni na naira biliyan 5 ga masu kananan sana’o’i. Wannan yunƙuri na canza wasa ya tsaya a matsayin shaida ga amincewar bankin da ba ta da tushe balle makama ga ikon sauya ƴan kasuwa.
Domin tabbatar da samun wannan lamuni ba tare da wata matsala ba, Sterling ya hada hannu da hukumar SMEDAN, wata hukumar gwamnati da ta himmatu wajen bunkasa da inganta harkokin kananan yara a Najeriya. Wannan haɗin gwiwar dabarun ya haifar da kafa cikakkiyar bayanan SMEs, yana ba da damar ingantattun mafita da shirye-shiryen shiga tsakani waɗanda ke haɓaka haɓakar SME.
Kasuwancin da suka cancanta don lamunin SMEDAN/Sterling
Lamunin SMEDAN/Sterling yana buɗewa ga kasuwancin da suka yi rajista da Hukumar Harkokin Kasuwanci (CAC) a lokacin aikace-aikacen kuma sun kasance suna aiki aƙalla watanni 18.
Ba a buƙatar haɗin kai don samun damar lamunin SMEDAN/Sterling.
Nawa ne mai nema zai iya samu daga Shirin lamunin SMEDAN/Sterling
Matsakaicin adadin da ake samu shine Naira Dubu Dari Biyar (N2,500,000).
Mafi karancin kudin da ake samu shine Naira dubu dari biyu da hamsin kacal (N250,000).
Menene bayanin da ake buƙata azaman ɓangaren SMEDAN/Sterling lamuni aikace-aikacen lamuni
Za a buƙaci bayanin mai zuwa daga abokan cinikin da ke neman lamunin SMEDAN/Sterling:
1. Sunan Kasuwanci
2. RC/BN lambar
3. Lambar tantance haraji don kasuwanci
4. Ranar shigar da kasuwancin
5. Lambar Asusun Kasuwanci don bincike
6. Lambar Tabbatar da Banki
7. Sunan mai talla
Sauran Bayani akan lamunin SMEDAN/Sterling
Adadin riba don lamunin SMEDAN/Sterling lambobi ɗaya ne (kasa da 10%). Matsakaicin mai biyan bashin shine watanni 12.
Lamunin yana samuwa ga masu rike da asusu na Sterling da wadanda ba Sterling ba, duk da haka za a bukaci abokan ciniki su bude da gudanar da Asusun Kasuwancin Sterling bayan an amince da aikace-aikacen lamuni.
Babu boye zargin. Idan an amince da aikace-aikacen abokin ciniki, za a caje su kawai kuɗin gudanarwa na 1% da kuma kuɗin inshora na 2.5%, waɗanda za a tattara su gaba ɗaya bayan an biya su.
Yadda ake Neman lamunin SMEDAN/Sterling a cikin 2024
Ana iya samun lamunin SMEDAN/Sterling ta hanyar matakai 2:
Mataki 1 - Abokin ciniki zai buƙaci yin rajista akan dandamali na SME Databanc wanda SMEDAN ke ba da ƙarfi don samar da ID na Mai haɓakawa da Kasuwanci, waɗanda ake buƙata don aikace-aikacen.
Karanta Hakanan: SMEDAN ta ƙaddamar da Sauƙaƙan Samun Kayan Lamuni na Sama da Naira Miliyan 1 ga 'yan kasuwa, MSMEs
Mataki na 2 - Sai abokin ciniki ya sauke Banca ta Sterling mobile app daga Google Play ko AppStore, rajista da Aiwatar.
Ko Cika SMEDAN/Sterling lamuni 2024 Application Form ta SMEDAN/Sterling Loan 2024 Application Portal.
Sannan zaɓi "Begin" Application.
The SMEDAN/Sterling loan is a single digit interest rate loan targeted at Nano, Small and Medium Sized businesses in Nigeria, designed to aid and drive business growth while contributing to the growth of the Nigerian economy. This is part of Sterling Bank’s continuous effort to support small businesses in the country to grow and scale their businesses, which aligns with the SMEDAN mandate.
Sterling, deeply committed to national development, has pledged N5 billion in single-digit loans to eligible SMEs. This game-changing initiative stands as a testament to the bank’s unwavering belief in the transformative power of small businesses.
To ensure seamless access to these loans, Sterling has partnered with SMEDAN, a government agency dedicated to the development and promotion of SMEs in Nigeria. This strategic alliance has resulted in the establishment of a comprehensive database of SMEs, enabling tailored solutions and intervention programs that foster SME growth.
Eligible Businesses for SMEDAN/Sterling Loan
The SMEDAN/Sterling loan is open to businesses that are registered with the Corporate Affairs Commission (CAC) at the time of application and have been in operation for at least 18months.
Collateral is not required to access the SMEDAN/Sterling loan.
How much can an applicant get from SMEDAN/Sterling loan Program
The maximum available amount is Two Million Five Hundred Thousand Naira Only (N2,500,000).
The minimum available amount is Two hundred and Fifty Thousand Naira Only (N250,000).
What information is required as part of SMEDAN/Sterling loan application
The following information will be required from customers applying for the SMEDAN/Sterling loan:
1. Business Name
2. RC/BN number
3. Tax identification number for the business
4. Date of incorporation of the business
5. Business Account number for analysis
6. Bank Verification Number
7. Promoter name
Other Information on the SMEDAN/Sterling loan
The interest rate for the SMEDAN/Sterling loan is a single digit (less than 10%). The maximum tenor for repaying the loan is 12 months.
The loan is available to both Sterling and Non-Sterling account holders, however customers will be required to open and run Sterling Business Accounts after their loan applications have been approved.
There are no hidden charges. If a customer’s application is approved, they will only be charged a 1% management fee and a 2.5% insurance fee, both of which will be collected upfront after disbursement.
How to Apply for SMEDAN/Sterling loan in 2024
The SMEDAN/Sterling loan can be accessed through a 2-step process:
Step 1 – The customer would need to sign up on the SME Databanc platform powered by SMEDAN to generate a Promoter and Business ID, which are required for the application.
Read Also: SMEDAN launches Easy Access to over N1 Million Loan Facilities for Entrepreneurs, MSMEs
Step 2 – The customer should then download the Banca by Sterling mobile app from Google Play or AppStore, sign up and Apply
Or Fill the SMEDAN/Sterling loan 2024 Application Form via SMEDAN/Sterling Loan 2024 Application Portal.
Then select "Begin" Application.
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