Every business — regardless of size or stage — encounters moments where the right injection of capital makes the difference between stagnation and growth. BMI Investment’s business loan product is designed to provide entrepreneurs, small business owners, and growing enterprises with the working capital and expansion financing they need to seize opportunities, manage cash flow, and build sustainable operations.
We understand that every business is different. That is why our business loans are not one-size-fits-all. We take time to understand your business model, your revenue cycle, your growth plan, and your specific funding need — and then we structure a loan that fits your business rather than forcing your business to fit our product.
What You Can Use a Business Loan For: Purchase of stock, inventory, or raw materials Payment of staff salaries during low-revenue periods or business expansion phases Acquisition of business equipment, machinery, or vehicles Office or premises fit-out, renovation, or relocation Marketing campaigns, brand development, or digital expansion Bridging cash flow gaps between invoicing and payment collection Funding of new contracts or project mobilization costs Business acquisition or buyout financing Expansion into new markets, locations, or product lines Repayment of higher-cost existing business debt
Business loan amounts are determined based on your business revenue, trading history, financial statements, and the specific purpose of the funding. Repayment tenures range from 3 months to 60 months. For businesses with seasonal or irregular revenue patterns, BMI Investment can structure repayment schedules that align with your actual cash flow — with higher repayments during peak revenue months and lower obligations during quieter periods. This flexibility ensures that loan repayment strengthens your business rather than straining it.
Both secured and unsecured business loan options are available. Unsecured facilities are available for businesses with strong trading histories and demonstrable revenue. Secured facilities — backed by business assets, property, or other collateral — enable access to larger loan amounts at more competitive interest rates.
Processing and Disbursement: Complete business loan applications are reviewed within 48 to 96 hours. Our business lending team may request a brief consultation to better understand your business before making a credit decision. Upon approval, funds are disbursed directly to your business bank account according to the agreed disbursement schedule.
Registered businesses at any stage of operation — from early-stage startups with demonstrated initial revenue to established SMEs with multi-year trading histories. Sole traders, partnerships, limited liability companies, and cooperatives are all eligible to apply. New businesses without extensive trading history are considered on the basis of a credible business plan, projected financials, and founder experience.
