Product

Description

Uses of funds (capex vs opex)

Clients/Types of Projects

Conditions

Interest rate

Link

Biogas financing

Financing biogas domes for farmers. Selected features include: 40% Grant and 60% loan

CAPEX

Micro enterprises and individual small holder farmers

N/A

interest: 8%
Payment plans up to 5 years

https://shorturl.at/pPuLP

https://shorturl.at/EPVnI
 

https://shorturl.at/OVKz2

Direct loans

Financing small projects directly through the agency's branches

CAPEX & OPEX

Commercial, service and agricultural projects

Legal capacity, good conduct, and proficiency in reading and writing.

Must be fully dedicated to the project and its management, and must reside in the same governorate where the project is located or in a neighboring governorate.

Exemption from military service, or completion of it, or postponement for a period that covers the financing period for clients up to the age of 32.

The project must be technically and economically feasible and comply with environmental requirements.

These conditions must be met by individual proprietors. In the case of financing companies, these conditions must be met by those authorized to sign and manage the company.

N/A

https://shorturl.at/aK3ZH

Financing through banks

Financing small projects through banks

CAPEX & OPEX

Small Enterprises

Legal capacity, good conduct, and proficiency in reading and writing.

Must be fully dedicated to the project and its management, and must reside in the same governorate where the project is located or in a neighboring governorate.

Performing military service or being exempted from it or postponing it for a period covering the financing period for clients of the required age for recruitment

Technical and economic feasibility of the project and its compliance with environmental obligations.

These conditions are available for clients who own individual establishments, but in the case of financing companies (persons or funds), they must be available for those who have the right to sign and manage on behalf of the company.

N/A

https://shorturl.at/hc6wV

Financing through intermediaries

Financing small projects through intermediaries

CAPEX & OPEX

Commercial, service and agricultural projects

The application is submitted to the intermediary (institution or association) located within the geographical scope of the proposed project.
The financing conditions are reviewed by the intermediary.
The client is inquired about by the intermediary.
A field visit is conducted to the client.
The required documents are completed to obtain financing.
The client can be assisted in preparing a simplified feasibility study for the project

N/A

https://shorturl.at/VYZEn

Micro financing

Financing Micro enterprises to help them evolve

CAPEX & OPEX

Micro enterprises (Breadwinner women and informal economy)

To be of Egyptian nationality, have a valid national ID number, and reside in the same governorate as the activity or in a neighboring governorate.

Not less than 21 years old and have legal capacity.

To be able to read and write.

To have an existing project or have sufficient skills to manage the project.

There must be a simplified study of the project or a simplified financial statement indicating the feasibility of the project.

N/A

https://shorturl.at/8OAZ4

Solar irrigation financial products

Financing solar irrigation products for farmers

CAPEX

Micro enterprises and individual small holder farmers

N/A

N/A

https://shorturl.at/JuJDg

Venture Investment

Providing capital for venture debt to accelerators, incubators and VC funds. MSMEDA share is contributed in the capital of the institution that carry out activities supporting the culture of entrepreneurship and emerging projects.

CAPEX & OPEX

Incubators, Accelerators, VCs, Investments companies and Startups

The ability to invest in other companies in accordance with the internal regulations and articles of association of the company or incubator.
The existence of a clear and specific investment policy.

The availability of a clear and specific timetable for requesting investors to pay the value of their shares in the capital in order to ensure that the Authority pays its committed share to companies, incubators and business accelerators at the appropriate times that are consistent with their investments.

The management team of the venture capital company must be a major shareholder in the capital of the emerging company.
The existence of a "governance" structure and management that enjoys clear independence and the ability to adequately supervise the management of the company, which allows its shareholders to control investment decisions.

The existence of financial statements for the last two years certified by one of the auditors listed in the General Authority for Financial Supervision of Certified Auditors, provided that the company expected to invest in has not been subject to a penalty during the year preceding the date of applying for financing from the Authority. If the company, incubator or business accelerator is a newly established Egyptian company affiliated with an already established foreign company, it must submit the foreign company’s certified financial statements for the last two years to the Investment and Venture Capital Department and the Investment Evaluation Committee. If the company or incubator is a newly established Egyptian company and not affiliated with any established foreign company, the company’s management team must submit financial statements for the previously managed fund or funds.

Provide evidence of at least (three) years of successful investment in the field of venture capital.
Investments by companies, business incubators or business accelerators in Egypt focus on directing all funds obtained from the Authority, whether in the form of equity contributions or loans, to Egyptian companies.
The value of the companies’ equity or managed assets must not be less than EGP 5 million

N/A

https://tinyurl.com/3saftxnp