NDB Bank specializes in helping customers grow. Therefore whatever sector, and at whatever stage of growth your business is in, we have the industry knowledge and financial expertise to optimize your finances, and help your business thrive.

Your project loan from NDB Bank would be tailored to suit your business, taking into consideration its own unique needs and business cycles. Long term loans can be structured to finance start up projects, expansions, relocations, management buy outs (MBO's), balance sheet restructuring etc.

In addition, NDB Bank can offer the unique advantage of combining the resources of the entire group to structure the most appropriate package of financial services to supplement your project loan.

NDB Investment Bank, the NDB Group's investment banking subsidiary has structured several securitisation for various industries. The Bank based on its own credit guidelines participates by way of subscriptions to securitisation instruments of selected securitisation exercises. This is an important product of the NDB Bank's project finance division.

NDB's project finance has the capacity and capability to act as a service provider for local and global financial institutions in the area of project evaluation and project implementation by utilizing the highly skilled professional staff of Project Finance.

How to apply for a loan
There is no standard application form to fill when applying for project-based finance from NDB. This is because each project and its need are unique. To enable us to assess the viability of a proposal, we need information under the headings listed below. Having this information ready for us will help us to process your application faster.

1. Sponsors background
The business experience and other background information of the principal sponsors.

2 Information on sectors/markets
Sector Market description (including: structure, market share, industry growth rate, borrower's competitive position, outlook for company) Justification for projected market position, sales plan distribution cost and availability of transport, tariffs, quotas and the affect of any changes in regulation on proposed project, competition/competitive advantage

3. Detailed description of the proposed business
Production process, location and site/land ownership, production facilities, utilities/infrastructure, raw materials, manpower, production forecasts, development/implementation programme, proposed board of directors, management/structure/experience.

4. Cost
Estimated project cost in local and foreign currencies contingency and working capital assumptions

5. Finance
Potential co-investors, proposed financing plan, basis of debt/equity split, project profitability with the assumptions used, sensitivities, break-even analysis, financial rates of return, financial information of the sponsor should be given for a minimum of 3 years.

6. Additional information for existing businesses
Historical background, present status and latest financial statements

For more information contact Sumith Peiris - 011 2347912