Business Loans

Loans

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.

Loans & Credit Facilities

Term Loans

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 Financing Options Include
Fast, Flexible Funding for Immediate Business Needs

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

Best suited for:
Strategic Support for Asset Growth, Working capital & Expansion

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

Ideal for:
Robust Capital for Transformational Projects

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.

Ideal For:

Line of Credit (Overdraft Facility)

Ongoing Access to Funds When You Need Them Most

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.

Key Highlights:

Merchandise Loan Facility

Inventory Financing for Retailers, Wholesalers & Distributors

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.

Key Highlights:

Pre-Shipment Export Finance

Advance Funding for Export-Oriented Businesses

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.

Key Highlights:

Export Bill Advances

Advance financing provided against export documents after goods have been shipped, helping Exporters Bridge the payment gap between shipment and final settlement.

Import Bill Advances

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.

Sectors We Serve

Empowering Growth Across Every Industry

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.

We proudly serve key sectors including:

Bank Guarantee

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.

Types of Bank Guarantees include

Key Features

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.

Syndicated Finance

  • Syndicated finance refers to a joint financing arrangement where Zemen Bank partners with local and/or international financiers to provide large-scale credit facilities to a single borrower. This structure enables multiple financial institutions to share credit risk and mobilize resources efficiently, while offering the borrower access to substantial funding under a unified loan framework.

 

  • Zemen Bank has solid experience in handling syndicated finance transactions, including coordinating inter-creditor agreements and acting as a security agent. The Bank is well-versed in structuring, managing, and administering syndicated facilities in collaboration with both domestic and international partners.