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FORM REF: LD/BDM-1 LOAN TRACK REFERENCE (FOR NDB USE ONLY):
FORM OWNER: LENDING/BDM IMPORTANT: SEE REQUIRED ATTACHMENTS AT THE BACK IN APPENDIX - J
In addition to this application form, the applicant should submit a full Business Plan of the project, as
LAST REVISION - 18/07/2003 outlined on Appendix I of this form. Incomplete application delay the processing by National Development
Bank and may even cause the rejection of an application.
FIRST IMPLEMENTED BEFORE - 1994 Any false statements shall disqualify the application and is against the law.
1. LOAN DETAILS
Purpose of Loan
Business/Trade Name
Physical Address
Address
Tel: Fax:
Accountants/Auditors
Address
Tel: Fax
Nature of Business
Shareholding %
Date Of I.D. No. (Passport
Full Names Nationality Position (Company/Partnership/
Birth number for foreigners)
AMA or Syndicate)
TOTAL 100%
Year Reference Number Loan Beneficiary (P) Amount Approved (P) Balance Outstanding (P) Arrears (P)
5. PRESENT PROPOSAL
The requirements and sources of funding for the proposed new project/expansion are:
REQUIREMENTS SOURCES
Other
Equity (P) Other Loan Other
Total (P) NDB Loan (P) (State source)
(Applicant’scontribution) (State source) (P) (State source) (P)
(P)
Premises/Property
Vehicles
Livestock
Working Capital
Other
Other
Total
NB: The bank normally requires the promoters to contributers at least 15% towards the total project cost,either in cash or in kind.
6. SECURITY
Details of security for the loan applied for:
Encumberances
Open Market/Book Estimated Forced Sale (Existing Bonds,
Description Age Original Cost (P)
Value (P) Value (P) Attachment, Financial
Interests,etc.)
Immovable Property
(Lot no., location
Vehicles
(Number____________)
Livestock
(Number____________)
Bank Guarantee
10. GENERAL
• Appendices F to H must be completed in as far as they are applicable, otherwise all appendices should be completed.
• Please refer to Appendix I for guidelines for preparing a Business Plan.
• Please submit all relevant documents as listed on Appendix J
11. DECLARATION
I / We hereby declare that the information provided above is, to the best of my / our knowledge and believe, true and correct. I/We further declare
that the money borrowed shall be used solely for the purpose indicated above and that there is no legal impediment for the intended use.
Signed: ________________________________________
Managing Director / Principal Partner / Principal Applicant
Unaudited/Audited
SALES
VARIABLE COSTS
Cost of sales
Salaries
Utilities (Electricity/Water)
GROSS PROFIT
GROSS INCOME
OVERHEAD EXPENSES
Accounting fees
Bank Charges
Director’s Remuneration
Office Expenses
Passage
Security Expenses
Contingency @ 5%
Depreciation
GROWTH RATE
ASSUMPTIONS
Sale
Variable Costs
Overhead Expenses
EMPLOYMENT OF CAPITAL
FIXED ASSETS
Motor Vehicles
Others
INVESTMENTS
CURRENT ASSETS
Stocks
Debtors
Others
CURRENT LIABILITIES
Creditors
Taxation
Bank Overdraft
Others
CAPITAL EMPLOYED
EQUITY FUNDS
Share Capital
Retained Earnings
Capital Reserve
Shareholder’s Loan
SHAREHOLDERS INTEREST
NDB Loan
Other Loans
Deferred Tax
Month 12 Months
Total
NDB Loan
Consumables
Overheads
Accounting Fees
Bank Charges
Directors Remuneration
Office Expenses
Passage
Security Expenses
Total Expenses
Financing
Interest on overdraft
Other
Balance b/f
Balance c/f
Applicant’s Name
Business Name
Address
Date
P O Box 225
Gaborone
and at
them.
I hereby authorize my Bankers and Accountants/Auditors to provide any information about my/ our financial position and credit rating to NATIONAL
Yours Sincerely
Authorised Signatory/Signatories
ASSETS:
Plot No. Location Type Of Land Size (m2) Remaining Lease Estimated Value (Pula)
(Commercial/Industrial/ Period
Residential)
MOVABLE ASSETS:
Debts Receivables
Shares in Companies
Other Assets
Total Assets
LIABILITIES
Loans secured by Mortgage over Immovable Property
Tax Liabilities
Personal Loans
Creditors
Other Liabilities
Any Contingent Liability as Guarantor for others or bond/s over property / assets used as security
Total Liabilities
Net Assets/ (Liabilities)
I herewith declare that I have given the above statements to the National Development Bank as proof of my financial position, and that the same is a
true, full and correct statement.
Signature Date
A break-down of existing and additional livestock, and other relevant information is as under:
Livestock Type Existing (Number) Additional to be Estimated Value (P)
purchased (number)
Cows
Bulls
Heifers
Tollies
Calves
Total
Goats/Sheep
Horses
Donkeys
Name and distance of cattle post from place of residence (in kms)
CROP No. of
Yield (No. Yield Yield (No.
No. of ha No. of No. of ha No. of No. of ha No. of ha to be
of 70 Kg. (No. of 70 of 70 Kg.
Planted Bags Sold Planted Bags Sold Planted Bags Sold Planted
Bags) Kg. Bags) Bags)
next year
Sorghum
(Variety)
Maize (Variety)
Beans (Variety)
Others
(Specify)
Space Lease
Place & Plot Rent Per Rent / Escalation %
Tenant Name Rented Rent / Year (P) Term
No. m2 (P) Month (P) p.a.
m2 (years)
TOTAL
A. ATTACHMENTS
1. Certified true copy of National Identity Card (Omang) for all Batswana applicant(s), all shareholders and directors. Certified true copies of
passports (for non citizens).
2. A copy of a residence permit (Non Citizens).
3. A copy of work permit(s) for all company employees who are not citizen or an alternative (i.e. Waiver).
4. A copy of the land title (Title Deed, Registered Lease, etc. to be offered as security and/or for properties to be developed).
5. Borehole Completion Certificate/Borehole Data Record and Water Right Certificate (for all projects where water requirements are from a
borehole).
6. Livestock brand certificate (for all agricultural projects and all projects where cattle are used as security for the loan).
7. Certificate of Incorporation or Registration documents for companies, trust, AMAs, partnerships and other legal entities.
8. Memorandum and Articles of Association where the applicant is a company, certificate of registration for Agricultural Management
Associations (AMA) and other registration documents as required by law.
9. A constitution, partnership agreement for partners, syndicates and trusts (trust deed) (In addition NDB may require a management plan).
10. Resolution by Shareholders/Board/Members to apply for the loan, if the loan is for a company, AMAor for more than one party.
11. Provide a valuation report for assets offered as security for the loan (immovable property, existing machinery, existing vehicles etc.).
12. Provide financial statements for the applicant, if already in operation. The bank reserves right to request for audited accounts, especially for
big projects or as required by law.
13. Provide Curriculum Vitae (Cvs) of all key management personnel.
14. Provide VAT number if company is registered or required to be registered under VAT.
15. Provide proof that the applicant has paid tax or complied with the tax rules and Registrar of Companies rules (i.e. proof that the company still
exists).
16. If company provide dividend policy document.
17. Provide the applicant’s bank statement.
18. Provide approved plans if the project is for property construction/development.
19. Provide personal balance sheet(s) of applicant(s), partners, shareholders and those guaranteeing the loan.
20. Provide relevant quotations, sales agreements, permits, franchise agreements, import/export licences, health permit and other permits as
required.
21. Provide copies of all necessary licences needed to operate the business (i.e. trading licence, manufacturing licence etc.).
22. Provide lease agreement(s) where appropriate (i.e. if the project is to rent premises, water source, lease out premises, etc.).
23. Where the applicant has other loans with other institutions, details of these loans should be provided (i.e. purpose of loan, creditor/institution,
loan period, rate of interest, monthly repayments, period to maturity of the loan/when the loan is expected to be fully repaid original amount,
current loan balance etc.).
B. COMPLETION OF FORMS
1. The loan application form is to be completed in full.
2. All relevant information to be supplied by the applicant.
3. Names of applicants, spouses, shareholders and chiefs shall be written in full.
4. Each applicant or member of a syndicate/AMA/partnership is required to complete an individual application form. In addition another form is
to be completed summing up all assets and liabilities of members as entered in the individual forms and shall also include the joint assets and
liabilities of the syndicate/AMA/partnership.
5. Where the applicant has provided a separate business plan, write, “refer to business plan” at the appropriate section of the application form.
No area in the form shall be left blank, otherwise write “none” or “not applicable” or “n/a” as appropriate.
6. All completed application forms are to be submitted to the lending department at the nearest NDB office.
Development House
Queens Road, Main Mall
P O Box 225, Gaborone
Tswelelopele House
P O Box 282, Francistown
MAUN
Regional Manager
Sales Executives
PALAPYE
Regional Manager
Sales Executives