Interested applicant should contact all Fidelity Bank Branches across the country.

(a) Legally registered business owners engaged trading activities with a decent store value and personal net worth. (b) Individuals who are gainfully employed in private or government related Institutions.

In line with anticipated frequency of cash inflows and not exceeding the duration of the loan facility. MFIs shall be required to repay in fixed quarterly instalments.

P2P loan facility shall not exceed 24 months duration.

  MFIs SMEs Applications that falls within 10% of total asset shall not require any collateral. Application exceeding 10% of total asset will require collateral requested by the Bank. The Bank shall require an appropriate collateral irrespective of the loan amount requested.

Maximum of twenty one (21) working days subject to fulfilment of all conditions precedent from receipt date of application.

No; all facilities will be disbursed in Ghana cedi currency. Foreign denominated quotations will be disbursed in their Ghana cedi equivalent.

No; the P2P loan cannot be used to pay off loans negotiated at commercial rates

No; preferably existing facilities must be fully paid off before additional requests would be considered. Exceptions may be considered based on the performance on the existing facility.

A Qualifying Borrower should have a minimum relationship of six (6) months with any other financial institution, New-to-Bank (NTB) Borrowers shall be considered on the merit of their application.

Prospective SMEs could benefit from technical assistance as well as capacity building programmes through the Bank’s SME capacity building.

Interested applicants should pick an application forms at any Fidelity Bank branch across the country. Applicant as part of the application processes will be required to open bank accounts with Fidelity Bank. Further application requirements can be found on the application form issued by the Bank to prospective applicants.

Microfinance Institutions The maximum facility for microfinance institution is maximum 10% of the total asset but not more than 20% of total loan portfolio. WASH SMEs The maximum facility amount for SMEs is subject to capacity of the enterprise limited to an amount of GHS500,000 but may be increased subject to need.

Water Provision SMEs -Borehole drilling enterprises -Borehole mechanisation enterprises -Enterprises into pipeline connections -Enterprises that deals in plumbing materials Sanitation Provider SMEs -Enterprise into provision of waste bins -Operator of a public latrine (toilet) -Desludging service enterprise -Solid waste collection enterprise -Provider of mobile toilets Hygiene Enterprises -Cleaning services -Pest control and fumigation -Operator of a public bath -Laundry service

Savings and Loans Companies Microfinance Companies Rural and Community Banks SMEs in the WASH sector

(i) Businesses already exposed to WASH; (ii) Businesses New-to-WASH; (iii) Fledgling/Start-up WASH businesses with entrepreneurial awareness (between 6 months to 2 years in operations)

Only enterprises legally registered to operate within the WASH sector can access the loan facility. The following category of enterprise can access: Micro, Small and Medium Enterprises (MSMEs).

The project is intended to scale-up access to finance and technical assistance for selected Small & Medium Enterprises (SMEs), Micro businesses and Households in Ghana.

Promoting WASH from Possible to Profitable (P2P) is a WASH financing loan product targeting specifically MSMEs and households

WASH means Water, Sanitation and Hygiene