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

Features

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

Maximum loan amount:

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

DBJ Go Digital Loan

Features

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

Requirements

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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