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Trade and Commerce

This loan is granted to those interested businessmen having valid business license and who desires to establish a new business unit or enterprise or expand the existing businesses. If you are looking to get ahead in your career with your own business, T Bank offers Trade and Commerce Loans.

Bhutanese citizens having valid business license wishing to set up new/expand business for the purpose of trade and commerce.

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75% of the collateral value or 50% of stock value

7 years

  • Duly filled loan application.
  • Copy of citizenship identity card.
  • Detailed Project Report (For development of new projects).
  • Business income tax and personal income tax assessment for individuals & Business units, if it is in operation.
  • Certificate of Incorporation issued by the ROC, if applicable.
  • Environmental clearance if applicable.
  • Approval for power supply from Bhutan power Corporation.
  • Financial Statements-Balance sheet & P& L Account for last two years.
  • Projected profit & loss statement for next financial year.
  • Working results of Sales & Purchases for the last 6 months, if it is in operation.
  • Latest stock position.
  • Invoice of machineries/fixed assets to be purchased if any.
  • Present borrowings and bankers details.
  • Valid Trade License.
  • Drawings for the new projects if applicable.
  • Stamped Consent/No Objection letter for family owned land, family tree (household) register issued by Department of Civil Registration and Census, MoHCA (if applicable).
  • Stamped and witness consent letter for extension of charges duly signed by the property owner, if applicable.

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