Why do you choose DBT as your business partner?
  • We provide affordability and manageable loans to suit your dreams
  • We provide quality business advisory services to achieve your dreams
  • We provide and offer quality and most friendly service

DBT offers Business loans available for projects associated with income generating activities and the development of businesses in the following Sectors:

Fishing & Other Marine resources
  • Fishing- e.g., acquisition of motorized fishing vessels, fishing gears and equipment (safety equipment)
  • Other Marine Resources- e.g., harvesting/processing of bechedemer
  • Aqua Farming- e.g., seaweed, giant clams and black pearl
PurposeLoans are available for the purchase of project costs and for working capital where such is required for existing and new income generating projects.
Interest rate9.5%
Termthe maximum term is normally 2 years,but can be extended to 5 years for projects involving the acquisition of new vessels and outboard motors for full time commercial fishermen.
Grace periodThe project will be allowed a grace period of 1 months for new business and no graceperiod for existing business.
Agriculture & Livestock
  • Agricultures e.g., vegetables and production of other crops
  • Livestock e.g., poultry meat & egg production and pig farming
  • Horticulture e.g., tree crop, papaya, nonu & other fruit production
  • Agro-forestry – e.g., inter cropping of timber with cash crops
PurposeLoans for agricultural machinery, plant & equipment including vehicles where the major activity is agricultural contracting (professional services) or agro-processing should be considered.
Interest rate9.5%
TermThe maximum term shall be up to 5 yrs. and 8 years for loans where the major purpose of the loan is for the acquisition of capital items and long term agro-forestry projects, and up to 3 years for loans where the major portion of the loan is for working capital.
Grace periodThe project will be allowed a grace period of 6 months depending on the nature of the new business and no grace period for existing business.
Manufacturing & Construction
  • Manufacturing & Construction eg. Engineering, joinery, boat construction, agro/fish and processing of all kinds of products
PurposeLoans mainly for the purchase of fixed assets and equipment but working capital requirements can also be considered if required for the operation of an income generating project.
Interest rate9.5%
TermThe maximum term shall be up to 5 yrs.
Grace periodThe project will be allowed a grace period of 3 month for new business and no grace period for existing business.
Commerce
  • Commerce– e.g. retail & wholesale trading in all kinds of products
  • Services e.g. shipping/customs/import-export, agents, professional & trades.
PurposeLoans mainly for the purchase of fixed assets and equipment but working capital requirements can also be considered if required for the operation of an income generating project.
Interest rate9.5%
TermThe maximum term is 5 yrs.
Grace periodThe project will be allowed a grace period of 1 month for new business and no grace period for existing business.
Transportation
  • Transport services e.g. bus/trucking services, shipping, car/boat/cycle hire
PurposeLoans are available for the purchase of fixed assets and for working capital where such is required for existing and new income generating projects.
Interest rate9.5%
TermThe maximum term is 5 yrs.
Grace periodThe project will be allowed a grace period of 3 months for new business and no grace period for existing business.
Tourism
  • Tourist e.g. hotels/motels/guest houses, travel agents, tour operators
PurposeLoans are available for the purchase of fixed assets and for working capital where such is required for existing and new income generating projects.
Interest rate9.5%
TermThe maximum term is 5 yrs.
Grace periodThe project will be allowed a grace period of up to 1 year for new business and no grace period for existing business.
Rental Property
PurposeLoans are available for the purchase of fixed assets and for working capital where such is required for existing and new income generating projects.
Interest rate9.5%
TermThe maximum term is 5 yrs.
Grace periodThe project will be allowed a grace period of up to 6 months depending on the nature of the new business and no grace period for existing business.
Groups & Communities for Projects with Economic and Social Objectives  
PurposeCommercial and business nature the policies for that particular sector must be applied. Loans are available for financing the constructions of maneapa, churches, schools, sports facilities, even capital to finance an island community trip to another island (malaga) and any infrastructure development which will have an impact on the social needs of the community. For a group or community project which is of commercial and business nature the policies for that particular sector must be applied.
Interest rate9.5%
TermThe maximum term is 5 yrs.
Grace periodThe project will be allowed a grace period of up to 6 months depending on the nature of the new project.