The Bank grants loan facilities for short, medium and long-term depending on the nature of the capital expenditure and the expected economic useful life of the investment being made in your business. This source of finance involves lending of a definite amount of money which could be disbursed according to needs of your business, however, within a pre-defined draw down period. The loan capital and corresponding debit interest will be repaid on agreed terms that would take into consideration the cash flow of the business that would determine whether: a moratorium period on capital repayments would be necessary during which period debit interest would have to be settled separately as and when due from business cash generation. Thereafter, capital and interest would be repaid simultaneously over the remaining term of the facility; or a linear repayment programme would be feasible where both interest and capital would be paid simultaneously during the life cycle of the loan facility; a repayment covering both interest and capital would be adjusted to suit the seasonality of the cash flow of the particular business under consideration; bridging finance would suit the circumstances of the business as the source of repayment earmarked would result in a lump sum deposit on the anniversary date of the facility. During the loan repayment term, interest would have to be paid separately as and when due. When evaluating the feasibility of a loan proposal, the Bank would also take into account the associated working capital requirements that your business would require so as not to strain the cash flow of your business. The Bank follows established international banking practice when evaluating the impact that such investment would have on your business and the feasibility of the loan repayment.