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Women Loan

  1. Purpose of Financing: This program aims to provide financing to existing projects owned by women entrepreneurs to support and expand their projects. This is a reduced loan based on providing a wide variety of financing options to female-owned SMEs who finances fixed assets or working capital, with the possibility of financing operating expenses within the Industrial and Service sectors only.
  2.     Target Sectors: Economic Sectors (Commercial, Service, Industrial)

      3. Loan Amount: The maximum loan amount for Industrial and Service sectors is JOD 250,000. The commercial sector loan amount is JOD 100,000.

     4. Loan Duration:

  • Fixed Assets Financing: maximum 96 months
  • Financing of working capital and procurement: maximum 36 months and commensurate with cash flows and operating cycle of the activity.
  • Tenor Period: up to 6 months maximum and calculated within the total period of above payment.

    5.  Interest Rate and Commission:  9.25% interest + 1% annual commission

           Startups: 9% interest + 1% annual commission.

  •  Small & Micro Enterprises: 10.25% (Margin + Interbank) + 0.5% one-time commission**.

         Startups: 10% (Margin + Interbank) + 0.5% one-time commission.


 

     6.  Funding Ratio: up to 100% of the client’s needs.

 

    7. Terms of Financing:

  • The borrower’s age shall not exceed 70 years by the end of the life of the loan
  • The minimum age of the borrower is 20 years old.
  • The client must be Jordanian. In the case the debtor is non-Jordanian, the submission of an acceptable Jordanian personal guarantee is required.
  • Obtaining guarantees for all main partners with solidarity, regardless of the type of company.
  • The name of the company or partner must not appear on the list of returned cheques.
  • Must obtain a bank statement for the last 6 months, with no returned cheques for insufficient balance (if applicable)
  • Must not have any financial issues or any negative indications within the CRIF system.

 

*For Sole Proprietorship, 1% commission is deducted upon grant only.

**Applicable to new loans granted as of 7/1/2026.

 

For Small Businesses:

In the event of a client’s  late payment, and if the contract signed with the client includes a clause stating the bank's right to collect late payment interest, it must not exceed 1% annually of the interest rate applied at the time to the value of each installment(s) that the client is late in paying