• Opportunity to ease working capital constraints
• Flexible terms of repayment
• Access to readily available credit within clients own timing
• Free cash pick up service
• Prompt advisory service from a team of dedicated account managers
• Clients shall be updated on monthly loan repayment via CalBank Alert
• This facility has an eighteen (18) month period tenor
• The maximum limit that can be accessed is GHS 20,000.00

• Eligible Companies: Any registered pharmaceutical company incorporated in Ghana under Ghana’s Company Code, Act 179 (1963)
• The scheme is for client or pharmaceutical companies in the manufacturing, wholesaling and retailing of pharmaceutical drugs approved by the Food and Drugs Board of Ghana
• Pharmacy/Chemical shops registered with the Ghana Pharmacy Council and recognized to operate

In order to access the facility, clients must submit a formal letter and attach the following information:

• Basic information on Management
• Basic information on Board of Directors
• Valid copy of pharmacy/chemical license
• Previous bank statement for past 12 months
• Cash flow statement and annual financial statements
• Security/collateral to support request
• Payment would be made directly in favour of the supplier of the pharmaceutical products
• Acceptable security will be required for facility amount above GHS 20,000.00. Client must agree to move a significant portion of inflow through its CalBank account