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What a lender reads before the plan.

A one-page checklist of what CRDB publishes for its SME Bidii loan and the order a lender reads a plan, with the documents to prepare in any case.

  • The six eligibility rules CRDB publishes for SME Bidii, with the loan size and tenure band.
  • The order a lender reads a plan: verdict, three figures, evidence tags, approvals.
  • The documents to have ready in any case, and the note to confirm the branch's own list.
On the page

What the sources publish.

What CRDB publishes for SME Bidii

  • Applicant aged 18 or over.
  • Minimum of three years' experience managing the same or a similar business.
  • A steady cash flow.
  • A business premise, owned or rented.
  • A valid business licence or permit.
  • A CRDB Biashara account, opened or maintained.
  • Loan size TZS 50,000,000 to TZS 5,000,000,000; tenure 6 to 24 months.

Source: CRDB Bank, SME Bidii loan page, crdbbank.co.tz/for-business/business-loans/sme-loan, read 14 October 2026. The page lists no document checklist beyond the licence; the branch's own list governs.

The order a lender reads a plan

  • The verdict on page one, and the tests that produced it.
  • Project IRR, stated with its assumptions.
  • Debt service cover, in the base case and in the downside case.
  • The evidence behind demand, with each buyer segment tagged Proven, Indicated or Assumed.
  • Licences, registrations and approvals in the order they are obtained.

Source: the Zatra plan method, NEMBO, October 2026.

Prepare in any case

  • Certificate of incorporation or business name registration.
  • Taxpayer Identification Number certificate.
  • The business licence or permit named above.
  • Bank statements for the account that carries the business's income.
  • Financial statements, prepared under the framework that applies to the entity.
  • The 60-month model, with the downside case.

These are the documents a loan file commonly needs. Confirm the branch's own list before the appointment; no bank page read on 14 October 2026 published a full checklist.

Get the page

One email, one page.

The PDF opens here on sending. The email carries the same link so it can be found again.

Get the one-page checklist

The SME loan file, as one PDF page, sent to the email address given and opened here at once. One message a week for three weeks follows only if the box is ticked.

The rule is free. The document is finished.

The Client shares the business, the market and the money sought.

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