"commercial credit to provide financial support for small to medium enterprise to help with the cash flow for working capital"


1. to support Timorese enterprise in contributing to the economic development in Timor-Leste.



1. Poses good character, honest and responsible

2. Have a current profitable business and is viable (with long-term perspective)

3. Have available valid business liscence from SERVE

4. Have work experiences.


  1. 1 copy of color passport size photo (3x4)
  2. Electoral copy for the applicant and spause (for married person)
  3. Copy of applicant’s Bank Account
  4. Business liscence
  5. List of available business assets
  6. List of assets to be procured or purchased with the credit
  7. Financial report (balance + profit/loss)
  8. Present additional guarantee.



  1. limited, dependant on various business factors
  2. maximum 3 years (36 months)
  3. interest is competitive between 8% to 14% based on the client’s registry and guarantee for the credit
  4. guarantee amount that is valuable and sufficient
  5. 12% for late payment per annum.
  6. administrative costs and other costs based on the available fee list from BNCTL