LEASE FINANCE The leasing provides financial flexibility to enterprises for procurement of capital assets without blocking their

own funds. Lease Financing is the principal fund based activity of Reliance Finance Limited (REFL). Until now the company concentrated only on full payout financial lease transaction for financing a wide range of capital machinery, equipment and vehicles. We offer leasing as a modern financial instrument for managing corporate investments in movable equipment. Our customers represent different segments of local markets. We provide services to developing companies, stable middle-class enterprises and market-leading concerns. Now, REFL provides the following two types lease facilities:

Asset Backed Lease Financing Asset backed financing against industrial machineries, commercial equipments, office equipments, generators, vehicles, vessels, engines, etc.

Sale & Lease Back Financing against any of the existing (already procured/in-use) industrial machineries, commercial equipments, office equipments, generators, vehicles, vessels, engines, etc.

WHOM DO WE FINANCE? REFL offers mid and longer term financial solutions to a wide range of clienteles who are in their journey to emerge as promising corporate houses in near future. Our portfolio comprises of various private limited companies, partnership and proprietorship concerns with promising business opportunities. We offer different financial products to the potential clients considering the sponsors' credential, management strength, sales growth, technical soundness, cost efficiency, future prospect and last but not the least their transaction behavior with other lenders and associates, if any.

TERMS AND CONDITIONS

The General Terms and Conditions are as follows:

Tenure Generally 3-5 years Maximum loan limit Maximum limit depends on Requirement and equity participation Merit of the proposal Mode of repayment Equal monthly / quarterly Installment Structured repayment as per requirement to match the cash flow. Security Collateral is to secure the finance is not mandatory in REFL. Rather the type and mode of security depends on (i) the nature, experience and performance of the business (ii) past track record of the sponsor(s) and (iii) the amount of financial facility to be enjoyed.

ADVANTAGES

Financial flexibility Rather than having your capital tied in one purchase, leasing allows you to utilize that capital elsewhere to general higher profits; it also reduces your cash outflow.

Off balance sheet financing Since Prime Finance owns the equipment the leased equipment does not appear on your balance sheet, your financial ratios improve.

No need to raise new capital

Raising new equity or debt for capital expenditure has many constraints which can be avoided when you opt for leasing.

Avoid budgetary constraints When your budget does not allow you to buy equipment, leasing can make the acquisition possible. Since rental payments are decided in advance, budgeting becomes easier.

Tax benefits Lease rentals are treated as revenue expenditure and are entirely deductible for tax purposes. This provides a greater tax benefit for you in comparison to borrowing.

In addition, Lease finance of REFL also providesSimple and quick processing Competitive rate of interest Continuous support No Charges or Fees before approval No hidden cost Prompt service =============================================================== SME LOAN Small Business is a loan facility designed to finance small scale trading, manufacturing and service ventures, especially to help small and medium entrepreneurs to meet their shortterm cash flow shortages and bridge the fund-flow gaps. Reliance Finance Limited (REFL) promotes small and medium entrepreneurs through its SME Finance Scheme. The aim is to provide quality service to the entrepreneurs with potential and innovative ideas.

WHOM DO WE FINANCE?

Small and Medium Enterprises involved in business with a proven track record are primarily eligible for the scheme. We offer different financial products to the potential clients considering the sponsors' credential, management strength, sales growth, technical soundness, cost efficiency, future prospect and last but not the least their transaction behavior with other lenders and associates, if any.

TERMS AND CONDITIONS

The General Terms and Conditions are as follows:

TENURE

3-5 years for lease and term finance 1-2 years for Short Term Finance

MAXIMUM LOAN LIMIT

Maximum limit depends on Requirement and equity participation Merit of the proposal

MODE OF PAYMENT

Equal monthly / quarterly Installment Structured repayment as per requirement to match the cash flow.

INSURANCE COVERAGE

Leased assets are to be duly insured covering all possible risk and premiums are to be paid by the lessee.

SECURITY

Collateral is to secure the finance is not mandatory in REFL. Rather the type and mode of security depends on (i) the nature, experience and performance of the business (ii) past track record of the sponsor(s) and (iii) the amount of financial facility to be enjoyed.

ADVANTAGES

Simple and quick processing Competitive rate of interest Continuous support No Charges or Fees before approval No hidden cost Financial flexibility Prompt service

LOAN OF WOMEN ENTREPRENEUR

Women Entrepreneur Loan is a loan facility for small and medium sized business, which are operated by women entrepreneurs. The product offers terminating loan facilities for the purpose of working capital finance and/or fixed assets purchase.

Eligibility

* Entrepreneurs with minimum 2 years experience in the same line of business * Business must be a going concern with at least 2 years in operation

Loan Limit:

* From BDT 3 lac to BDT 50 lac

Interest Rate

* @ 10% Lowest interest rate in the market

Key Features * Loan without any collateral up to BDT 15 lac. * Loan for Working Capital Finance and/or Lease finance for business * Borrower having loan with other financial institute can also avail Loan * Convenient repayment options of Equated Monthly Installment and Customized Repayment Schedule * Quick, quality door step customer service

Latest Update REFL deposit rate increased up to 14.50% December 22, 2011

View all Useful Links Nogor Solutions Yahoo Bangladesh Bank Dhaka Stock Exchange Chittagong Stock Exchange View all ============================================================ TERM LOAN The term loan facility will support the long-term growth of businesses. This type of loan is primarily used for fixed asset financing, such as the acquisition of capital machinery, equipment and vehicles. Reliance Finance Limited (REFL) provides both short term and long term loans for capital expenditure. The longer maturity loans can reduce the size of installment payments and help improve the cash flow of the enterprises. Fully amortized equal payment or decreasing payment schedule can also be arranged to ease repayment of debt obligations. REFL also provides loan facilities to meet working capital requirements.

WHOM DO WE FINANCE? REFL offers mid and longer term financial solutions to a wide range of clienteles who are in their journey to emerge as promising corporate houses in near future. Our portfolio comprises of various private limited companies, partnership and proprietorship concerns with promising business opportunities. We offer different financial products to the potential clients considering the sponsors' credential, management strength, sales growth, technical soundness, cost efficiency, future prospect and last but not the least their transaction behavior with other lenders and associates, if any.

TERMS AND CONDITIONS The General Terms and Conditions are as follows: Tenure 3-5 years for term finance 1-2 years for Short Term Finance

Maximum loan limit Maximum limit depends on Requirement and equity participation Merit of the proposal Mode of repayment Equal monthly / quarterly Installment Structured repayment as per requirement to match the cash flow. Security Collateral is to secure the finance is not mandatory in REFL. Rather the type and mode of security depends on (i) the nature, experience and performance of the business (ii) past track record of the sponsor(s) and (iii) the amount of financial facility to be enjoyed.

ADVANTAGES Simple and quick processing Competitive rate of interest Continuous support No Charges or Fees before approval No hidden cost Financial flexibility Prompt service

CORPORATE FINANCE This Corporate Finance Division has been accommodating the financing needs of different corporate bodies (both local and multi-national), social organizations, government organizations and other institutions. Its products and services range from term lending for business expansion to short term working capital facilities for regular operational needs of the client. These are tailored to meet the specific requirements of the client based on the needs of the industry or business.

WHOM DO WE FINANCE?

REFL offers mid and longer term financial solutions to a wide range of clienteles to local corporate houses and multinational companies operating in Bangladesh to cater mid and longer term financial needs in order to meet diversified requirements. We offer a range of financial services which includes, but not limited to:

A Lease Financing Asset backed financing against industrial machineries, commercial equipments, office equipments, generators, vehicles, vessels, engines, etc.

Sale & Lease Back Financing against any of the existing (already procured/in-use) industrial machineries, commercial equipments, office equipments, generators, vehicles, vessels, engines, etc.

Term Loan For meeting various regular capital/fixed expenditures like balancing of production line, modernization of manufacturing process, expansion of capacity and space, etc.

Project financing - Fixed cost For setting up of a new unit as addition to the existing product line and capacity, a new concern of an existing group, a new Joint Venture project of an existing company, etc. Financial solution for the entire project may be provided through mix of different financial tools from wide range of services offered by REFL.

Preferred Equity Investments If clients raise funds through preferred share, REFL corporate division makes financing by purchasing the shares. REFL gets payments usually through redemption of the preferred shares over the tenure

Bridge Financing

For meeting the funding requirements of the borrower for any interim period REFL corporate division makes financing usually for shorter term period.

Refinancing of existing liabilities For matching the repayments with cash flows, allowing some more time for repayment, releasing working capital limits (which got exhausted due to meeting capital expenditures using short term credit lines) refinancing of existing good quality liabilities is made.

Specialized product: arrange special funds Financing is also arranged for large corporate houses through special funds from Local and International Development Agencies, Central Banks, Government agencies, etc. based on its availability and eligibility criterion of the project/financing. REFL uses its strategic alliances and local and international associations for arranging such funds

General Terms and Conditions The General Terms and Conditions are as follows:

Tenure Tenor will vary on the characteristics of the financial products. Generally 3-5 years for Lease and term finance 1-2 years for Short Term Finance Maximum loan limit Maximum limit depends on Requirement and equity participation Merit of the proposal Mode of repayment Equal monthly / quarterly Installment Structured repayment as per requirement to match the cash flow. Security

Collateral is to secure the finance is not mandatory in REFL. Rather the type and mode of security depends on (i) the nature, experience and performance of the business (ii) past track record of the sponsor(s) and (iii) the amount of financial facility to be enjoyed. Advantages Simple and quick processing Competitive rate of interest Continuous support No Charges or Fees before approval No hidden cost Financial flexibility Prompt service

Latest Update REFL deposit rate increased up to 14.50% December 22, 2011

View all Useful Links Nogor Solutions Yahoo Bangladesh Bank Dhaka Stock Exchange Chittagong Stock Exchange View all HomeAbout us Mission, Vision and objectiveCore ValuesCorporate History and MilestonesCorporate GovernanceBoard of DirectorsCommitttee of the Board and ManagementProduct & Service LEASE FINANCETERM LOANSME LOANCORPORATE FINANCESTRUCTURED AND SYNDICATION FINANCETERM DEPOSITFinancial Statement Frequent Query Term Deposit QueryGeneral QueryComplain Cell

CareerContact Us Welcome to REFL Reliance is one of the leading financial institutions operating in Bangladesh. Our core competencies cover lease finance, term finance, real estate finance, SME finance, public issue of shares, portfolio management, margin loan, share trading etc. The client is the focal point of all our activities. We are committed to providing our client with excellent, innovative and fast solutions across all business segments. We want to be the preferred financial institutions for our clients as they enjoy distinct service culture. Reliance holds a leading position in the capital market operations. It is the undisputed number one in providing comprehensive and integrated capital market services. Reliance boasts up a broadly diversified business profile. This enables us to offer our clients the full range of services, they expect from a leading financial institution. We are committed to our corporate citizenship, promoting the common good in the community where we operate. We offer our employees excellent opportunities to further their career. We share our success with them through performance related systems of incentives. This helps to foster entrepreneurialism. At the same time, we ensure strict compliance with the ethical principles. Reliance seeks to constantly increase its return on equity for its shareholders, building on a systematic program of value-based management. Latest Update REFL deposit rate increased up to 14.50% December 22, 2011

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