No matter what your borrowing needs, Zemen Bank has the product for you. Whether your business needs working capital, asset financing, or project funding, Zemen Bank offers a comprehensive range of tailored financing options. All loan decisions are handled by local experts who understand your business, ensuring faster approvals and customized solutions.
Each loan request follows a standard processing timeline. Upon submission, Zemen Bank issues an official acknowledgment letter confirming receipt of your application and clearly stating when to expect the results of your loan appraisal — so you’re always informed and in control.
Zemen Bank offers comprehensive term loan solutions designed to support your business’s growth and investment goals. Whether you’re expanding your operations, acquiring new equipment, or investing in capital improvements, our term loans provide the financing you need ranging from short term to long term to move forward with confidence.
Our short-term loans are tailored for businesses seeking quick access to capital to cover short-lived financing gaps. With tenures typically up to 12 months, these loans are ideal for companies expecting fast repayment from incoming cash flows. Repayment can be made either as a lump sum at maturity or through a structured installment plan over the loan period, depending on your business’s cash flow or needs
Zemen Bank’s medium-term loans provide the financing flexibility needed for investments that require more time to deliver returns. With terms of up to 5 years, these loans include structured repayments and may come with a grace period, depending on your business’s cash flow and project cycle
Long-term loans from Zemen Bank are built for major, capital-intensive investments with extended payback periods. With flexible terms exceeding 5 years and repayment plans tailored to your revenue cycle, these loans are ideal for visionary projects that shape the future of your business.
A Line of Credit gives your business continuous access to funds up to a pre-approved limit—providing essential flexibility to manage day-to-day operational expenses or unexpected shortfalls. This facility is linked to your business current account, allowing you to draw funds as needed and repay at your convenience.
Our Merchandise Loans provide short-term financing for the purchase of inventory or goods for resale—helping you maintain optimal stock levels without straining your cash reserves. This facility is especially beneficial for businesses with seasonal demand or frequent inventory turnover.
Zemen Bank’s Pre-Shipment Facility supports exporters by providing working capital for the production, packaging, and transportation of goods prior to shipment. The facility is typically secured against a confirmed export order or letter of credit.
Advance financing provided against export documents after goods have been shipped, helping Exporters Bridge the payment gap between shipment and final settlement.
Short-term credit facility for importers to finance goods received under letters of credit or collection basis, helping businesses meet payment obligations while optimizing cash flow.
At Zemen Bank, we are committed to fueling Ethiopia’s economic progress by providing tailored financial solutions across a wide range of industries. Our deep sector knowledge, agile financing structures, and expert advisory services enable businesses in diverse fields to access the capital and support they need to grow and thrive.
A Bank Guarantee is a facility through which Zemen Bank commits to pay a specified sum to a third party (the beneficiary) if the customer (the obligor) fails to fulfill their contractual or business obligations, as stipulated under the terms and conditions of the guarantee.
A written undertaking by the Bank to pay a stated amount to the beneficiary in the event of the customer’s default.
Can be arranged either as a one-time facility or a revolving/permanent facility.
Features a short processing time for customer convenience.
