• Customised Financing Structures – Tailored loan solutions based on project feasibility, cash flows, and industry requirements.

• Long-Term Loan Tenure – Flexible repayment plans including grace periods based on project timelines.

• Specialised Industry Expertise – Sector-focused financial advisory and funding solutions for various industries.

• Structured Funding & Risk Assessment – Detailed evaluation of project feasibility, cash flow projections, and sponsor credentials.

• Competitive Interest Rates – Benchmark-based interest rates linked to AWPLR, ensuring transparency and cost-effectiveness.

• Diverse Financing Options – Loans, preference shares, and hybrid funding structures to suit business needs.

• End-to-End Financial Support – From initial project assessment to disbursement and ongoing financial advisory services.

DFCC Bank follows a structured project assessment methodology to ensure feasibility and risk mitigation:

1. Sponsorship & Business Experience

• Background and track record of project sponsors and shareholders.

• Industry expertise, technical skills, and management capabilities.

2. Business Sector & Market Feasibility

• Market structure, growth potential, competition, and regulatory landscape.

• Distribution and operational models to assess business viability.

3. Project Overview & Implementation

• Project site, production/service process, and technological requirements.

• Licensing, environmental compliance, and statutory approvals.

4. Cost Estimation & Funding Requirements

• Fixed and intangible asset costs, capital expenditure, and working capital needs.

• Detailed BOQs, supplier quotations, and terms of trade for asset procurement.

5. Financing Structure & Loan Terms

• Shareholder contributions, trade credit facilities, and long-term financing strategy.

• Financial projections, break-even analysis, and sensitivity assessments

• Loan Tenure – Flexible repayment plans including grace periods aligned to project timelines. 

• Interest Rate –Benchmark-based interest rates linked to AWPLR or fixed rates as preferred.

• Repayment Structure – Tailored to project cash flows, ensuring manageable debt servicing

• Businesses undertaking new projects, expansions, diversification, or infrastructure developments.

• Companies with a proven operational track record and financial stability.

• Sectors including manufacturing, infrastructure, energy, services, and large-scale agriculture.

• Leasing