We’re here to help you and your business find a way!

Let us help you to take your business to the next level. Micro, small and medium enterprises (MSMEs) can access unique financing, with low rates and affordable repayment terms to expand their business, consolidate debt and invest in digital technology.

JN Bank is a Development Bank of Jamaica (DBJ) approved financial institution which facilitates access to financing under the DBJ Serve Programme. This is a partnership between the Ministry of Finance and the DBJ. MSMEs can access the following loan facilities:

  • DBJ MSME Recovery Line of Credit
  • DBJ Go Digital Loan

DBJ MSME Recovery
Line of Credit


For MSMEs earning up to J$425 million per annum
90% financing of project cost for SMEs
Fixed interest rate of 5% per annum on the reducing balance
Maximum tenure – 8 years (interest and principal repayable monthly)
Up to 12 months moratorium on principal

Maximum loan amount:

Micro businesses: up to J$1.5 million
Small and medium businesses: up to J$10 million

DBJ Go Digital Loan


90% financing of project cost
Maximum loan amount - J$800,000
Fixed interest rate of 2% on the reducing balance
Maximum tenure - 3 years
Up to 3 months moratorium on principal


If you are accessing a small or micro business loan through JN Bank for the first time,
or the documents we have for you on file have expired, you will need to provide all or a few of the following:

  • Valid photo identification
  • Proof of address
  • Taxpayer Registration Number
  • Telephone number
  • Name and contact number for two references
  • Occupation and name of employer (if self-employed, nature of self-employment).

In addition to

  • Cover letter
  • Completed DBJ loan application
  • Completed CreditEnhancement Facility (CEF) application (if applicable)
  • Copy of loan submission
  • Last 2 years’ financial statements
  • Pro-forma invoices
  • Cash flow statement
  • Application for loan disbursement
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