Applicants considered under this Sector should be:

1. Involved in wholesaling and retailing for at least 6 months.
2. Reasonable level of stock relative to size.
3. Some degree of flexibility for 1 above based on:
   • loan repayment through S/D
   • current stock level, if existing
   • management ability of applicants
   • high market demand.

1. The loan may be for any of the following:
   • working capital (stock)
   • acquisition of plant and equipment
   • construction of structural facilities
   • transport (to a limited extent).
2. Bank does not generally finance:
   • establishment of new operation unless proven skill and knowledge;
   • acquisition of land for setting up such operation;
   • construction of a store facility for a new trading store project.