Small Business Loans – Belize

Up to $40,000 for starting, improving or expanding your small business. Loan Grace periods, Repayments to support your cash flow, revolving credit lines for business operations and support in times of financial challenges, the DFC supports the growth of Small Businesses in Belize.

Financing for:

  • $2,500 to $40,000
  • Open new, Improve or Expand your Small Business
  • Purchase or repair of machinery and equipment
  • Purchase of Vehicles (including boats) for business purposes
  • Retail trade
  • Cottage Industries
  • Working Capital for the above activities


  • Loans from $2,500 to $40,000
  • TRUE Reducing Balance Interest Rate
  • LOW Effective Interest
  • FREE Property Appraisal ($300 – $1400 in Savings)
  • PAY LESS for Legal Services because of our In-house Legal Services
  • Business Plan development support (SBDC)
  • FREE Technical assistance during Planning & Implementation
  • Renewable Energy / Energy Efficiency loans at just 6%
  • Character Based Loans offered
  • Forbearance during times of Financial Challenges
  • Tailored Loan Repayments
  • Repayment Period up to 5 years
  • Grace Period up to 3 months
  • DFC does not Increase your interest rate
  • Loan Fees as low as 2.5%
  • Loan Terms Clearly Explained
  • No Hidden Fees
  • Easy to Reschedule
  • No Rescheduling Fees
  • No Loan Consolidation Required
  • No Annual Renewal Fees
  • Safe debt ratio of 35%
  • Good Loan Approval time: Approx. 4 weeks

What do I need to apply:

  • Photo ID (Social Security Card, Passport, Voter’s ID)
  • Financial Records (If applicable) – DFC can assist with the compiling of the Financial Statements
  • Business Plan (If Applicable) – DFC via Beltraide’s SBDC can assist.
  • Documents (where applicable) – Relevant permits, contracts, licenses etc.
  • Belizeans and Belizean Residents
  • Applicant Age – 18 to 70 years.


  • Loans up to $10,000 ($10K) = 1 Guarantor
  • Loans $10K to $15K = 2 Guarantors
  • Loans $15K to $20K = Real Estate or 3 Guarantors
  • Above $20K = Real Estate


Tailored Loan Repayment

DFC tailors your loan repayment to suit your business’s Cash flow. Pay less during low season and more during high season. Great for Hotels, Bed & Breakfasts, Restaurants and other businesses in the Tourism Industry! Also for Agricultural based business where payments can be made at harvest time.

TRUE Reducing Balance Interest Rate

DFC offers you TRUE reducing balance Interest rate. What this means is that as you go repaying your loan and your balance owed is reducing, your interest paid also reduces because DFC charges interest on the balance owed.

It is referred to as ‘TRUE’ because we apply interest this way  CONTINUOUSLY, over the entire life of your loan with us. Other institutions may say they also offer ‘Reducing Balance’ but it may not be ‘TRUE’ reducing balance because of HOW they apply the interest (eg; on a 12 month basis only) As such, it is not continuous and this means you pay more in interest.

Grace Period

DFC offers Grace periods (Pay only interest, no principal) for up to 3 months  (dependent on project type) Eg. Your business would receive grace period while its under development or for a period after opening to become established first. Agricultural based businesses may receive grace periods until their crop is harvested.


Your Service or Agricultural based business could access a Revolving Line of Credit Loan where you are approved a credit line and can draw down from that loan to cover operating costs for your business. As you repay your loan, you can automatically draw down again. (Similar to an Overdraft account)

We CARE and HELP YOU in hard times

We know that business in the Tourism and Agricultural sectors as highly sensitive to external factors. If ever you fall on hard times and find it difficult to service your loan, as long as you communicate with us immediately, we work along with you. Eg. Postpone Principal payments or even lend you more to become operational again.  DFC is not in the business of closing down businesses. We work as best as possible to keep this from happening because as a Development Bank, DFC’s primary goal is to see to the development, success and longevity of Belizean businesses.


SAVE Money and Reducing your long term operational costs by investing in Renewable Energy and Energy Efficiency (RE/EE). DFC is the only bank offering RE/EE loans for Businesses and Homes at only 6% (Reducing Balance)

Other Benefits ONLY DFC provides

DFC in the ONLY lending institution that provides you with FREE Property Appraisal, Saving you hundreds of dollars!

We are the Only Bank to provide the legal services you need, In-house which reduces your cost, again saving you money!

DFC has never INCREASED its Interest rate. We don’t ‘Lock’ you into a loan then increase the interest rate on you after.

DFC never binds you down by tying or ‘bundling’ your loan with other loans.


DFC encourages responsible borrowing with our customers from the get go. We do not allow our customers to over extend themselves with loans larger than they can afford.

DFC is up front with you. We explain the loan terms clearly, letting you know exactly what are the loan fees and payments. With DFC there are NO HIDDEN FEES.

See if I Qualify for a Small Business Loan

Answer a few questions and a DFC Representative will contact you to discuss or set up an appointment.


Answer a few questions about the type of financing you want and a DFC Representative will contact you to discuss or set up an appointment.