Privately-owned viable SMEs with 20 employees or less which can meet prudent credit evaluation and criteria set by EPCGF. Those business must be able to :
1- Generate sufficient cash flow to sustain operation and repayment of the loan.
2- Lack or unable to provide the bank with sufficient collateral.
Start-up operations are not covered under the programme. Credit worthy SMEs who have been in operation for a minimum of 2 years are eligible