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Corporate
Banking

The Ghana Export-Import Bank (GEXIM) provides large companies in the export value chain in Ghana and abroad with short, medium and long term financing solutions at concessionary rates to make them globally competitive.

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Pre-shipment credit is provided to support businesses with appropriate access to finance at the manufacturing stage for the purchase of raw materials and other inputs. Pre-shipment credit facilities are also offered for the importation of raw materials/inputs for export production. Under this product, facilities considered are: Short Term Loans, Bridge Finance, Import Finance and Warehouse Financing.

Eligibility

  1. Duly registered or incorporated Ghanaian companies.
  2. Ghanaian companies/firms/cooperative societies with a track record in exports.
  3. Goods and commodities that are wholly or partially produced for export.
  4. To use our facilities, any/or a combination of the following can be provided as collateral:
  • Cash
  • Corporate guarantee
  • Shareholders and / or Director’s guarantee and Several guarantee
  • Landed property
  • Charge on fixed and/or floating assets.
  • Assignment of agreements, contract proceeds, right and benefits
  • Any other security acceptable to the Bank.
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Post-shipment credit aims to bridge the gap between production costs and export sales receipts, allowing a business to accelerate cash flow and shorten operating cycles. It supports the supply chain of the exporter. Export Receivables Finance, Buyer’s Credit, and Bills Discounting are facilities GEXIM looks at under this product.

Eligibility

  1. Duly registered or incorporated Ghanaian companies.
  2. Ghanaian companies/firms/cooperative societies with a track record in exports.
  3. Goods and commodities that are wholly or partially produced for export.
  4. To use our facilities, any/or a combination of the following can be provided as collateral:
      • Cash
      • Corporate guarantee
      • Shareholders and/or Directors Joint and Several guarantee
      • Landed property
      • Charge on fixed and/or floating assets
      • Assignments of agreements, contract proceeds, right and benefits
      • Any other security acceptable to the Bank
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This facility supports the activities of companies in the development and promotion of agriculture relating to agro-processing and the provision of services to the agro-processing sector. Activities financed under this facility include:

    1. Product development and promotion,
    2. Development of infrastructure for agriculture relating to agro-processing industry,
    3. Development and promotion of other agricultural and agro-processing entrepreneurial activities.
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Export
Trade

The Export Trade products offerings of the bank enable exporters to access working capital for production and to fulfil international orders, ensuring they can compete globally.

Additionally, the bank offers guarantees to mitigate risks associated with exporting, fostering the growth of local businesses in international trade.

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  1. This is a Short-Term revolving facility for Ghanaians (especially SMEs) to be able to meet export demands and enhance their capacities.
  2. It is to fill gaps in exporters’working capital thereby providing the needed funds for seamless operations and for multiple cycles.
  3. The facility is to enable exporters purchase raw materials and meet other operational needs to execute export orders and market demands.


Who Qualifies?

  1. An Exporter with evidence of previous exports.
  2. Must have a verifiable export order or export contract.
  3. A company with at least 30% Ghanaian shareholding.
  4. A company or business with the ability to deliver on its export orders.
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  1. This is a Short-Term revolving facility for Ghanaians to discount their export receivables providing the needed cash flows for multiple transaction to meet export demands.
  2. This will enhance their export capacities.
  3. It is to fill gaps in exporters’ working capital thereby providing the needed funds for seamless operations.

 

Who Qualifies?

  1. An Exporter with bill of lading and invoices evidencing exports.
  2. Must have a verifiable export order or export contract.
  3. A company with at least 30% Ghanaian shareholding.
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  1. Provisional Guarantee is a Guarantee Certificate issued to potential exporters with export orders, to facilitate or enhance their chances of prospecting for credit facility from Banks.
  2. It provides comfort to the Bank for additional security/cover where there is inadequate collateral from the borrower.

 

Qualifying Criteria

An Exporter applying for Provisional Guarantee should meet the following requirements:

  1. Have a Business Plan
  2. Have verifiable export orders or contract
  3. Have existing banking relationship
  4. Have some form of collateral

 

Guarantee Coverage
The guarantee covers up to 80% of the principal/loan amount approved by a Bank.

Tenor of the Product
Provisional Guarantee is issued for three (3) months and subject to review and renewal for another 3 months.

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Credit Guarantee – Issued to Banks for an approved credit facility when there is inadequate collateral.

Export Credit Guarantee – Issued to Banks on behalf of an exporter to execute an export order. Export proceeds may be used as collateral.

Procurement-related Guarantees – These include Bid Security, Performance Bond, Advance Payment Guarantee and retention guarantee issued on behalf of businesses with contracts outside Ghana.

Guarantees

The Bank’s intermediary role with regards to Guarantees enables it to deploy customer driven financial products and services to SMEs engaged in the agricultural, export, services, manufacturing and construction sectors of the economy who ordinarily do not have sufficient collateral to secure loans.

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Product Description/Features
It is a third-party measure that provides indemnity against loss in the absence of adequate collateral and reduces the element of risk where credit security is unavailable. The Credit Guarantee shall therefore be issued in favour of banks and other reputable financial institutions on behalf of borrowers to facilitate the flow of credit to enhance the business operations of the enterprises that are engaged in sustainable production for export (Pre-shipment and Post-shipment Guarantees), import substitution and job creation. While the borrower benefits from access to credit that would otherwise not be available due to inadequacy of collateral, the lending institution is provided with additional comfort through credit guarantees for the mitigation of the default risk.

Target Market
The product shall be available to Banks and Financial Institutions that lend to businesses that are engaged in activities that lead to the export of goods and services, import substitution or job creation.

Eligibility:
a. Financial Institutions
  1. Local financial institutions – the qualifying financial institution must be in compliance with all the relevant provisions of applicable laws, e.g. Banks and Specialised Deposit Taking Institutions Act 2016 (Act 930), Non-Bank Financial Institutions Act, 2008 (Act 774), etc., and all regulatory requirements as set out by the Bank of Ghana.
  2. Foreign Financial Institution
b. Businesses
  1. The business of the borrower must be export oriented or import substitution focused and must create jobs.
  2. The borrower should be sponsored by a participating credit institution and the guarantee application is submitted by the credit institution.
  3. If the advance being sought is to be expended on raw materials there should be room for local content.

Requirements:
i. The Borrower may apply for the guarantee where funding is being sought from a foreign financial institution. In such an instance, the following are required of the Borrower:
  1. Business registration documents
  2. Other registration documents relevant for the client’s business operation.
  3. Profile of the company
  4. Detailed Know Your Customer (KYC) report
  5. Evidence of past jobs executed (where applicable)
  6. Audited accounts of the company for the last three (3) years.
  7. Management account for the year under consideration.
  8. Cash-flow analysis for the project duration
  9. Bank statement for at least the last 6 months.
  10. Evidence of regular source of raw material
  11. Detailed market analysis
  12. Collateral (to credit institution)
  13. Copy of the client’s business proposal or feasibility report or project brief.
  14. Assignments of business cash-flows
  15. Directors’ Resolution authorising the company to apply for the said guarantee.
ii. Where the funding is from a local financial institution, the financial institution after approval of the loan request shall apply for the guarantee with additional information that includes the following:
  1. Copy of the appraisal report and offer letter or facility sanction memo from the participating financial institution.
  2. Confirmed export orders, evidence of past export transactions, etc. Should the credit be required for the procurement of machinery/plant/ equipment, pro-forma invoice from the manufacturer or its accredited representative would be required. Information on warranty issues, after sales support services/maintenance, availability of spare parts, insurance, etc., would be critical.

Coverage of the Guarantee: — up to 100% for foreign financial institutions — up to 80% for local financial institutions
Tenor of Guarantee: The tenor of the guarantee shall comply with the tenor of the credit but shall be renewed annually.
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Product Description Features

This guarantee is issued to suppliers of equipment to allow the beneficiaries (manufacturers, processors, healthcare facilities, etc) pay over a period based on the credit terms.

Eligibility

  1. The business must be legally registered in Ghana.
  2. The items being procured must be for purposes of enhancing local production and/or value addition.
  3. Demonstrate adequate commitment through sound financial standing and good credibility.

Requirements

  1. Business registration documents
  2. Registration with other state agencies
  3. Audited accounts
  4. Bank statements
  5. Management profile
  6. Supplier sanctioned memo/agreement
  7. Past operational performance
  8. Collateral

Target

  1. Manufacturers
  2. Processors
  3. Healthcare facilities
  4. IT companies
  5. Haulage companies, etc

Guarantee Coverage
Guarantees up to 80% of the principal

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Product Description Features

This guarantee is issued to suppliers of raw materials/inputs to allow the beneficiaries (manufacturers, processors, pharmaceuticals, healthcare facilities, poultry farmers etc) to pay over a period based on the credit terms.

Eligibility

  1. The business must be legally registered in Ghana.
  2. The items being procured must be for purposes of enhancing local production
  3. The organisation shall have been in the business undertaking for not less than 2 continuous years.
  4. Demonstrate adequate commitment through sound financial standing and good credibility

Requirements

  1. Business registration documents
  2. Registration with other state agencies
  3. Audited accounts
  4. Bank statements
  5. Management profile
  6. Supplier sanctioned memo/agreement
  7. Past operational performance
  8. Collateral

Target

  1. Manufacturers
  2. Processors/bakers
  3. Healthcare facilities
  4. Agriculture input dealers
  5. Poultry farmers
  6. Fabricators etc

Guarantee Coverage

Guarantees up to 80% of the principal

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Product Description Features

This is issued in favour of Ghana Cocoa Board (COCOBOD) and on behalf of Licensed Buying Companied (LBCs) to enable COCOBOD advance funds to the LBCs for the purchase of cocoa beans for onward submission to COCOBOD. 

Eligibility

  1. The business should be licensed by Cocoa Marketing Company (CMC) to purchase cocoa beans.
  2. The business should have good track record and evidence of same.

Requirements

      • Business registration documents
      • Registration with other state agencies
      • Audited accounts
      • Bank statements
      • Management profile
      • Past operational performance
      • Collateral

Target

  • LBCs

 

Guarantee Coverage

Covers the total amount (100%)

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Product Description/Features

This is a bond (guarantee/security) required during the bidding process, which ensures that the employer will be reimbursed for any loss caused by the bidder’s breach of bid-related obligations.

Target Market

  • All duly registered companies/contractors/suppliers/service providers bidding for contracts both locally and internationally.

Requirements:

  • Business registration documents
  • Other registration documents relevant to the client’s business.
  • Profile of the company
  • Detailed Know Your Customer (KYC) report
  • Evidence of past jobs executed
  • Bank statement for at least the last 6 months.
  • Collateral
  • Copies of tender documents

Tenor

Per the duration contained in the Invitation to Tenderers.

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Product Description/Features
This bond (guarantee/security) is requested by a customer seeking to receive advance payment from an employer, which ensures that the employer will be reimbursed for the advance payment in the event of failure by the customer to fulfil its contractual obligations.

Eligibility

  • All duly registered companies/contractors/suppliers who have won a contract.
  • Companies/contractors/suppliers should have proven track record and integrity.
  • The contract won by the client should have provision for the payment of advance payment/mobilization loan.

Requirements:

  1. Business registration documents
  2. Other registration documents relevant for the clients business.
  3. Profile of the company
  4. Detailed Know Your
  5. Customer (KYC) report
  6. Evidence of past jobs executed
  7. Audited accounts of the company for the last three (3) years.
  8. Management account for the year under consideration.
  9. Bank statement for at least the last 6 months
  10. Collateral
  11. Copy of the contract document
  12. Directors’ Resolution authorizing the company to apply for the said guarantee.
  13. Schedule of Project
  14. Execution/Project Schedule or Works Program.
  15. Copy of award letters
  16. Payments to be made in the joint names of Ghana EXIM bank and the client through an escrow account.

 

Coverage
Covers up to the total amount (100%) of the advance payment/mobilization loan amount

Tenor
Covers the full duration of the period defined by the contract award letter or receipt of copy of the interim payment certificate paying off the total mobilization amount whichever is earlier.

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Product Description/Features
This bond (guarantee/security) also known as contract bond is issued to the employer of a contract as a guarantee against the failure of the customer to meet obligations specified in the contract.

Eligibility
• All duly registered companies/contractors/suppliers who
have won a contract
• Companies/contractors/suppliers should have proven track
record and integrity.
• The contract won by the client should have requirement for
performance guarantee.

Requirements:
• Business registration documents
• Other registration documents relevant to the client’s business.
• Profile of the company
• Detailed Know Your Customer (KYC) report
• Evidence of past jobs executed
• Audited accounts of the company for the last three (3) years.
• Management account for the year under consideration.
• Bank statement for at least the last 6 months
• Collateral
• Copy of the contract document.
• Directors’ Resolution authorizing the company to apply for the said guarantee.
• Schedule of Project Execution.

Coverage
Covers the total amount of the performance guarantee amount.

Tenor
Covers the full duration of the period defined by the contract award letter or receipt of copy of the certificate of final completion or the taking over certificate whichever is earlier.

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Product Description/Features

The retention bond (guarantee/security) is issued to the employer on behalf of the contractor seeking retention money withheld by the employer as provision for repairs and maintenance during the defects liability period.

Eligibility
• All duly registered companies/contractors who have successfully executed contracts and handed over. The contractor who has successfully executed the project should be issued with the taking over or completion certificate as a condition for applying for this guarantee.

Requirements:
• Business registration documents
• Other registration documents relevant to the client’s business.
• Profile of the company
• Detailed Know Your Customer (KYC) report
• Evidence of past jobs executed
• Audited accounts of the company for the last three (3) years.
• Management account for the year under consideration.
• Bank statement for at least the last 6 months.
• Collateral
• Copy of the contract document.
• Final Completion Certificate or Taking Over Certificate.
• Directors’ Resolution authorizing the company to apply for the said guarantee.

Coverage
Covers up to the total retention amount.

Tenor
Covers the full duration of the defects liability period within which the retention monies are withheld.

SME
Banking

Products offered by the SME Banking Department are tailored to support the growth and expansion of Small and Medium-sized Enterprises (SMEs). These products aim to promote export-led growth and the overall development of SMEs in Ghana.

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  1. This is a Short-Term revolving facility for Ghanaians (especially SMEs) to be able to meet export demands and enhance their capacities.
  2. It is to fill gaps in exporters’working capital thereby providing the needed funds for seamless operations and for multiple cycles.
  3. The facility is to enable exporters purchase raw materials and meet other operational needs to execute export orders and market demands.

 

Who Qualifies?

  1. An Exporter with evidence of previous exports.
  2. Must have a verifiable export order or export contract.
  3. A company with at least 30% Ghanaian shareholding.
  4. A Company or business with ability to deliver on its export orders.
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The GEXIM Small and Medium Scale Enterprise (SME) Clinic is a 4- year training program aimed at building the business management capacity of an estimated 500 Small and Medium Enterprises operators. Its objectives are as follows:

  • Enhance participants’ technical and management skills that can immediately be put into action.
  • Provide the tools and professional support to develop a strategic and customized growth plan for their business.
  • Provide them with the necessary training to enable them to scale and increase capacity.
  • Equip SMEs with new trends in business and technology to reach new markets on the continent and the world at large.
  •  Enhance the financial knowledge to better manage their businesses to increase profitability and loan repayment. This will positively impact the Bank’s bottom line.
  • Provide the needed training and support to make them investor-ready.

Each cohort will undergo a training session lasting three (3) months.

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Projects

The Project Department plays a crucial role in developing and managing various projects specifically identified as constraints within the value chain of products in the bank’s focus areas. Additionally, the Department collaborates with various stakeholders, including government agencies, agro-processors, and exporters to promote government initiatives that have significant economic impact.

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Eligibility Criteria

  1. Duly registered majority Ghanaian-owned Company.
  2. The project must be in the Bank’s focus areas.

 

Products

  1. Project Finance
  2. Project Management
  3. Group Loans
  4. Raw material development for industrial use

 

Security

  1. Cash
  2. Guarantees
  3. Charge over Fixed and floating assets
  4. Landed property
  5. Any other security acceptable to the Bank

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OUR OFFICE LOCATIONS

Head Office

  • Africa Trade House,
    Ambassadorial Enclave,
    Liberia Road,
    Accra, Ghana.
  • GPS Address
    GL-040-2630
  • 0302-234668
  • 0302-234669
  • 0302-234664

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  • 2nd Floor SSNIT
    Pension Tower,
    Dagomba Street
    Tamale
  • GPS Address
    NT-0010-5301
  • 0372-028053
  • 0302-234664

Kumasi

  • First Floor A2
    Plaza Building
    Dr. Osei Tuffuor
    By-Pass Near
    Santasi Roundabout
    GPS Address
    AK-178-6780
  • 0322-041124

Ho

  • 2nd Floor,
    Atsu Briggar’s Plaza,
    Muvie Street ,
    Ho
  • GPS Address
    VH-0003-4357
  • 0362 027773
  • 0362 028392

Takoradi

  • Ground Floor,
    Ghana Shippers' Authority, Chapel Hill,
    Takoradi
  • GPS Address
    WS-349-3552
  • 0312 002262
  • 0312 002263

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