Loan Types
At GBTI we understand your zeal to succeed. Our partnership is built on trust and experience Credit Advisers who are there to help you every step of the way. Choose from our Business Loan Plans:
Business Loans
Corporate Loans
The GBTI Corporate Loan caters for investors who wish to pursue long term projects such has increasing production capacity, introducing new product lines or establishing new branches. Our experienced Credit Officers can offer guidance on your investment decisions and advise on the structure of a financing package that facilitates the success of your venture.
Benefits
- Flexible Repayment Terms
- Moratorium
- Preferential Interest Rates
- Personalized service from experienced Credit Officers
- Suite of solutions
- Easy access to 12 Branches countrywide
Agricultural Loans
Increasing cultivation, upgrading machinery and equipment or acquiring inputs can require the support and advice of a strong bank. GBTI has a tradition of sound support of the agriculture sector and our range of financing caters for all types of agriculture business including:
- Poultry Farming
- Cash Crops
- Aquaculture (Fish and Shrimp)
- Agri Processing
- Livestock
- Cane Farming
Benefits
- Production Cycle Repayment Terms
- Preferential Interest Rates
- Fast Approval
- Personalized services from experienced Credit Officers
- Easy access to 12 Branches countrywide
Manufacturing Loans
The GBTI Manufacturing Loan caters for medium to small scale projects with both domestic and export potential. This loan is suitable for investors who wish to increase raw materials, stock and plant capacity, improve product quality and packaging or access pre-shipment financing.
Benefits
- Flexible Repayment Terms
- Fast Approvals
- Preferential Interest Rates
- Personalized Service from experienced Credit Officers
- Easy access to 12 Branches countrywide
Rice Farming Loans
GBTI has always been a strong supporter of the rice sector and our Rice Farming Loan is a specially designed package for Rice Farmers and Millers. Our range of financing caters for the acquisition of:
- Land
- Machinery and Equipment
- Paddy
- Fertilizer
- Fuel and Lubricants
Benefits
- Production Cycle Repayment Terms
- Fast Approvals
- Preferential Interest Rates
- Personalized services from experienced Credit Officers
- Easy access to 12 Branches countrywide
Trading & Services Loans
The GBTI Trading & Services Loan is designed to accommodate the unique financing needs of the Retail Trade and Services Sectors. It caters for upgrading facilities, purchasing equipment and increasing inventory. Our Overdraft Facility is specially tailored to match the seasonal fluctuations of the Retail Trade sector.
Benefits
- Flexible Repayment Terms
- Competitive Interest Payments on Overdraft facility
- Fast Approval
- Personalized services from experienced Credit Officers
- Easy access to 12 Branches countrywide
Green Loans
Green Loans range from one million to fifty million dollars and include financing for:
- Solar Energy Products, Water Treatment recycling- water filters
- Hybrid motor vehicles
- Energy Saving Appliances
- Air filters
- Wind powered projects
- Hand powered projects
- Low Carbon economic investments e.g high-end fruits and vegetables, aquaculture, Agro-processing, etc.
Benefits
- Flexible Repayment Terms
- Competitive Interest Rates
- Fast Approvals
- 25% Discount on lending services
- 1-6 months moratorium on payment of installments where applicable
- Personalized services from experienced Credit Officers
- Easy access to 12 Branches countrywide
US Dollar Loans
The US Dollar Loan facility is available to corporate entities that are operating specifically in the manufacturing and export sector. Non-residents and foreign-based companies operating in Guyana can also access this facility upon receipt of the requisite approval from the Ministry of Finance.
The bank’s Credit Officers will examine project proposals presented to determine the viability and soundness of the venture.