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Do you know where your business is in the business lifecycle?

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Product Support For Seed Stage      AFI/MFI/BDO Locator


Objectives : Provides leadership and technical support to encourage potential entrepreneurs at the university level and facilitates students putting entrepreneurship principles into practice, through an integrated learning experience. Facilitates linkages between budding entrepreneurs, private sector mentors, and financiers.

Features:

  • Local universities host internal competitions from which the top three (3) teams from these competitions compete in the NBMC for cash prizes.
  • The winner of the NBMC then competes at the International Business Model Competition (IBMC), where they compete against over 40 other international university student teams.

Advice given at this stage:

  • Structure and document your idea through the Business Model Canvas
  • Create a potential cash flow document – showing potential expenses and income streams
  • Commit to the success of your business:
    • Register the business with the Companies of Office of Jamaica (COJ) – Registration enables a business or entrepreneur to benefit from technical assistance, grants, and loans from Government and private financial institutions.

Product Support For Startup Stage      AFI/MFI/BDO Locator

Voucher for Technical Assistance (VTA)

Provides financing to access specific business development services needed to enhance the business as well as improve it's ability to access credit from Approved Financial Institutions

  • A business must be registered with the Companies Office of Jamaica (COJ) to qualify for a voucher or to benefit from any other DBJ product.
  • Businesses are eligible for a maximum of two vouchers within a two year period.
  • DBJ covers 70% of the cost of specific services offered under the VTA programme.

Innovation Grant from New Ideas to Entrepreneurship (IGNITE)
Fosters entrepreneurship innovation and support for the creation and growth of new firms in the productive sectors from Startup to Growth stage within two (2) years.

  • The program provides grant funds up to $4 million or 70% of the project cost.
  • The business must be registered with the Companies Office of Jamaica (COJ) to be able to apply.
  • The business must be able to demonstrate its innovativeness to qualify
  • The business must have a viable business model and growth potential
  • The business must be able to employ at least 2 persons within the next 2 years

Capacity Development Grant
A grant that facilitates the funding of capacity development projects for SME support, new sector and export development, institutional strengthening for MSME intermediaries and Social Enterprises.

  • Must be a business that supports other MSMEs in technical capacity building
  • Must be registered with the Companies Office of Jamaica (COJ)

Energy Audit Grant
A grant to check how efficiently the business is using electricity and recommend how to reduce energy wastage. This grant also provides support for a business to access an energy loan.

  • DBJ provides grant funds to pay for an energy audit.
  • Assist the MSME to make informed decisions about investments in energy efficiency and Renewable energy. Provides support for a business to access an energy loan.
  • The business must be registered with the Companies Office of Jamaica (COJ)
  • Applicant should not be a startup.
  • Applicant may only apply once.
  • MSMEs are offered an Energy Audit Grant of $200,000 to be conducted by a DBJ approved energy auditor.

World Bank SME Loan
Supports Capital and investment projects to empower businesses in approved sectors.

  • Supports capital and investment projects to empower small businesses under DBJ’s approved sectors.
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Loan Amount: Maximum of 90% of project cost up to $30 million per group/entity and up to $50 million for exporters.
  • Tenure: Up to 10 years

CDB Small Agricultural Enterprise Loan
Specifically targeted to entrepreneurs involved in the agricultual sector, to provide support to small farmers who may not be able to access funding otherwise for their projects.

  • Applicant must be registered with the Companies Office of Jamaica (COJ) OR with Rural Agricultural Development Authority (Rural Agricultural Development Authority (RADA))
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Loan Amount: Maximum loan per entity or group $10 million
  • Tenure: Up to 10 years

Business lifecycle accelerator to the zenith of entreprenuership (blaze) loan
BLAZE is an IGNITE graduate loan financing product targeted at MSMEs that have successfully completed the Innovative Grant from New Ideas to Entrepreneurship (IGNITE) programme.
The product is a customized direct lending facility with loan and capacity development features.

To be eligible to access this loan, businesses would:-

  1. have benefitted and successfully completed the IGNITE programme
  2. be operational for at least two years
  3. have a demonstrable track record of compliance and performance in the IGNITE Programme

Features

Max. Loan Amount: $15 million

Loan Tenure: Up to 10 years

Credit Enhancement Facility (CEF)
Provides collateral assistance to MSMEs by providing gaurantees to approved financial institutions and micro finance institutions to help MSMEs access loans.

  • It allows financial institutions to accept non-traditional collateral which may not be normally accepted. It allows the DBJ to guarantee a portion of your loan.
  • It allows DBJ to guarantee a portion of your loan
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • it allows DBJ to guarantee a portion of your loan
  • Applicant must have a challenge providing collateral to secure a business loan
  • Loan Amount:
    • 80% of an energy loan up to $15 million
    • 50% of all other SME loans up to $15 million
    • Small loans (J$6.25 million or less) 80% of loan up to a maximum of $5 million
  • Tenure: Up to the maturity of the loan or up to 10 years; or the lesser of the two

Product Support For Growth Stage      AFI/MFI/BDO Locator

Voucher for Technical Assistance (VTA)
Provides financing to access specific business development services needed to enhance the business as well as improve it's ability to access credit from Approved Financial Institutions (AFIs).

  • A business must be registered with the Companies Office of Jamaica (COJ) to qualify for a voucher or to benefit from any other DBJ product.
  • Businesses are eligible for a maximum two vouchers within a two year period.
  • DBJ covers 70% of the cost of specific services offered under the VTA programme.

Innovation Grant from New Ideas to Entrepreneurship (IGNITE)
Fosters entrepreneurship innovation and support for the creation and growth of new firms in the productive sectors from Startup to Growth stage within two (2) years.

This project was developed to foster entrepreneurship, innovation and support for the creation and growth of new firms in productive sectors among MSMEs, from Startup to growth stage

  • The program provides grant funds up to $4 million or 70% of the project cost.
  • The business must be registered with the Companies Office of Jamaica (COJ) to be able to apply.
  • The business must be able to demonstrate its innovativeness to qualify
  • The business must have a viable business model and growth potential
  • The business must be able to employ at least 2 persons within the next 2 years

Capacity Development Grant
A grant that facilitates the funding of capacity development projects for SME support, new sector and export development, institutional strengthening for MSME intermediaries and Social Enterprises.

  • Must be a business that supports other MSMEs in technical capacity building
  • Must be registered with the Companies Office of Jamaica (COJ)

Energy Audit Grant
A grant to check how efficiently the business is using electricity and recommend how to reduce energy wastage. This grant also provides support for a business to access an energy loan.

  • DBJ provides grant funds to pay for an energy audit.
  • Assist the MSME to make informed decisions about investments in energy efficiency and Renewable energy. Provides support for a business to access an energy loan.
  • The business must be registered with the Companies Office of Jamaica (COJ)
  • Applicant should not be a startup.
  • Applicant may only apply once.

World Bank SME Loan
Supports Capital and investment projects to empower businesses in approved sectors.

  • Supports capital and investment projects to empower small businesses under DBJ’s approved sectors.
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Loan Amount: Maximum of 90% of project cost up to $30 million per group/entity and up to $50 million for exporters.
  • Tenure: Up to 10 years

CDB Small Agricultural Enterprise Loan
Specifically targeted to entrepreneurs involved in the agricultual sector, to provide support to small farmers who may not be able to access funding otherwise for their projects.

  • Specifically targeted to entrepreneurs involved in the agricultural sector, to provide support to small farmers who may not be able to access funding otherwise for their projects.
  • Applicant must be registered with the Companies Office of Jamaica (COJ) OR with Rural Agricultural Development Authority (RADA)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Loan Amount: Maximum of 90% of project cost up to $30 million per group/entity and up to $50 million for exporters.
  • Tenure: Up to 10 years

NIF SME Loan
Provides financing for working capital and/or fixed asset purchases for enterprises involved in specific industries.

  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Loan Amount: Maximum loan $30 million
  • Tenure: Up to 6 years

PetroCaribe ICT Infrastructure Loan
Provides support for the expansion of the Jamaican ICT/BPO outsourcing sector.

  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Must be for an infrastructure project of at least 350,000 sq. ft or addition of at least 10,000 new ICT jobs
  • Must be in the ICT/BPO sector
  • Loan Amount: Maximum US$5 million per project, representing maximum 70% of the project cost
  • Loan Amount: Up to 12 years

Credit Enhancement Facility (CEF)
Provides collateral assistance to MSMEs by providing gaurantees to approved financial institutions and micro finance institutions to help MSMEs access loans.

  • It allows financial institutions to accept non-traditional collateral which may not be normally accepted. It allows the DBJ to guarantee a portion of your loan.
  • It allows DBJ to guarantee a portion of your loan
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have a challenge providing collateral to secure a business loan
  • It allows DBJ to guarantee a portion of your loan
  • Loan Amount:
    • 80% of an energy loan up to $15 million
    • 50% of all other SME loans up to $15 million
    • Small loans (J$6.25 million or less) 80% of loan up to a maximum of $5 million
  • Tenure: Up to the maturity of the loan or up to 10 years; or the lesser of the two

Product Support For Established Stage      AFI/MFI/BDO Locator

Energy Audit Grant
A grant to check how efficiently the business is using electricity and recommend how to reduce energy wastage. This grant also provides support for a business to access an energy loan.

  • DBJ provides grant funds to pay for an energy audit.
  • Assist the MSME to make informed decisions about investments in energy efficiency and Renewable energy. Provides support for a business to access an energy loan.
  • The business must be registered with the Companies Office of Jamaica (COJ)
  • Applicant should not be a startup.
  • Applicant may only apply once.
  • MSMEs are offered an Energy Audit Grant of $200,000 to be conducted by a DBJ approved energy auditor.

Capacity Development Grant
A grant that facilitates the funding of capacity development projects for SME support, new sector and export development, institutional strengthening for MSME intermediaries and Social Enterprises.

  • Facilitates funding of capacity development projects for SME support, new sector and export development, institutional strengthening for MSME Intermediaries and Social Enterprises.
  • Must be a business that supports other MSMEs in technical capacity building
  • Must be registered with the Companies Office of Jamaica (COJ)

Jamaica Business Fund
Provides grant funds to strenghthen local supply chains for businesses focused on import substitution and exports (e.g. manufacturers and processors).

  • Provides grant funds to strenghthen local supply chains for businesses focused on import substitution and exports (e.g. manufacturers and processors).
  • Applicant must be a medium or large firm
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must be part of a local supply chain in the productive sector
  • Grant is offered up to a maximum of US$350,000 per supply chain. Each supply chain member has the opportunity to access up to US$30,000.

World Bank SME Loan
Supports Capital and investment projects to empower businesses in approved sectors.

  • Supports capital and investment projects to empower small businesses under DBJ’s approved sectors.
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Loan Amount: Maximum of 90% of project cost up to $30 million per group/entity and up to $50 million for exporters.
  • Tenure: Up to 10 years
  • Loan Amount: Maximum of 90% of project cost up to $30 million per group/entity and up to $50 million for exporters.
  • Tenure: Up to 10 years

CDB Small Agricultural Enterprise Loan
Specifically targeted to entrepreneurs involved in the agricultual sector, to provide support to small farmers who may not be able to access funding otherwise for their projects.

  • Specifically targeted to entrepreneurs involved in the agricultural sector, to provide support to small farmers who may not be able to access funding otherwise for their projects.
  • Applicant must be registered with the Companies Office of Jamaica (COJ) OR with Rural Agricultural Development Authority (RADA)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Loan Amount: Maximum loan per entity or group $10 million
  • Tenure: Up to 10 years

NIF SME Loan
Provides financing for working capital and/or fixed asset purchases for enterprises involved in specific industries

  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Loan Amount: Maximum loan $30 million
  • Tenure: Up to 6 years

PetroCaribe ICT Infrastructure Loan
Provides support for the expansion of the Jamaican ICT/BPO outsourcing sector.

  • Provides support for the expansion of the Jamaican ICT/BPO sector
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Must be for an infrastructure project of at least 350,000 sq. ft or addition of at least 10,000 new ICT jobs
  • Must be in the ICT/BPO sector
  • Loan Amount: Maximum US$5 million per project, representing maximum 70% of the project cost
  • Loan Amount: Up to 12 years

CDB Small Agricultural Enterprise Loan
Specifically targeted to entrepreneurs involved in the agricultual sector, to provide support to small farmers who may not be able to access funding otherwise for their projects.

  • Applicant must be registered with the Companies Office of Jamaica (COJ) OR with Rural Agricultural Development Authority (Rural Agricultural Development Authority (RADA))
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Loan Amount: Maximum loan per entity or group $10 million
  • Tenure: Up to 10 years

Business lifecycle accelerator to the zenith of entreprenuership (blaze) loan
BLAZE is an IGNITE graduate loan financing product targeted at MSMEs that have successfully completed the Innovative Grant from New Ideas to Entrepreneurship (IGNITE) programme.
The product is a customized direct lending facility with loan and capacity development features.

To be eligible to access this loan, businesses would:-

  1. have benefitted and successfully completed the IGNITE programme
  2. be operational for at least two years
  3. have a demonstrable track record of compliance and performance in the IGNITE Programme

Features

Max. Loan Amount: $15 million

Loan Tenure: Up to 10 years

Credit Enhancement Facility (CEF)
Provides collateral assistance to MSMEs by providing gaurantees to approved financial institutions and micro finance institutions to help MSMEs access loans.

  • It allows financial institutions to accept non-traditional collateral which may not be normally accepted. It allows the DBJ to guarantee a portion of your loan.
  • It allows DBJ to guarantee a portion of your loan
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have a challenge providing collateral to secure a business loan
  • Loan Amount:
    • 80% of an energy loan up to $15 million
    • 50% of all other SME loans up to $15 million
    • Small loans (J$6.25 million or less) 80% of loan up to a maximum of $5 million
  • Tenure: Up to the maturity of the loan or up to 10 years; or the lesser of the two

Product Support For Expansion Stage      AFI/MFI/BDO Locator

Energy Audit Grant
A grant to check how efficiently the business is using electricity and recommend how to reduce energy wastage. This grant also provides support for a business to access an energy loan.

  • DBJ provides grant funds to pay for an energy audit.
  • Assist the MSME to make informed decisions about investments in energy efficiency and Renewable energy. Provides support for a business to access an energy loan.
  • The business must be registered with the Companies Office of Jamaica (COJ)
  • Applicant should not be a startup.
  • Applicant may only apply once.
  • MSMEs are offered an Energy Audit Grant of $200,000 to be conducted by a DBJ approved energy auditor.

Capacity Development Grant
A grant that facilitates the funding of capacity development projects for SME support, new sector and export development, institutional strengthening for MSME intermediaries and Social Enterprises. capacity development projects for SME support, new sector and export development, institutional strengthening for MSME intermediaries and Social Enterprises.

  • Facilitates funding of capacity development projects for SME support, new sector and export development, institutional strengthening for MSME Intermediaries and Social Enterprises.
  • Must be a business that supports other MSMEs in technical capacity building
  • Must be registered with the Companies Office of Jamaica (COJ)

Jamaica Business Fund
Provides grant funds to strengthen local supply chains for businesses focused on import substitution and exports (e.g. manufacturers and processors).

  • Provides grant funds to strenghthen local supply chains for businesses focused on import substitution and exports (e.g. manufacturers and processors).
  • Applicant must be a medium or large firm
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must be part of a local supply chain in the productive sector
  • Grant is offered up to a maximum of US$350,000 per supply chain. Each supply chain member has the opportunity to access up to US$30,000.

NIF SME Loan
Provides financing for working capital and/or fixed asset purchases for enterprises involved in specific industries.

  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Loan Amount: Maximum loan $30 million
  • Tenure: Up to 6 years

CDB Small Agricultural Enterprise Loan
Specifically targeted to entrepreneurs involved in the agricultural sector, to provide support to small farmers who may not be able to access funding otherwise for their projects.

  • Applicant must be registered with the Companies Office of Jamaica (COJ) OR with Rural Agricultural Development Authority (RADA)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Loan Amount: Maximum loan per entity or group $10 million
  • Tenure: Up to 10 years

World Bank SME Loan
Supports Capital and investment projects to empower businesses in approved sectors.

  • Supports capital and investment projects to empower small businesses under DBJ’s approved sectors.
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Loan Amount: Maximum of 90% of project cost up to $30 million per group/entity and up to $50 million for exporters.
  • Tenure: Up to 10 years

PetroCaribe ICT Infrastructure Loan
Provides support for the expansion of the Jamaican ICT/BPO outsourcing sector.

  • Provides support for the expansion of the Jamaican ICT/BPO sector
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Must be for an infrastructure project of at least 350,000 sq. ft or addition of at least 10,000 new ICT jobs
  • Must be in the ICT/BPO sector
  • Loan Amount: Maximum US$5 million per project, representing maximum 70% of the project cost
  • Loan Amount: Up to 12 years

Business lifecycle accelerator to the zenith of entreprenuership (blaze) loan
BLAZE is an IGNITE graduate loan financing product targeted at MSMEs that have successfully completed the Innovative Grant from New Ideas to Entrepreneurship (IGNITE) programme.
The product is a customized direct lending facility with loan and capacity development features.

To be eligible to access this loan, businesses would:-

  1. have benefitted and successfully completed the IGNITE programme
  2. be operational for at least two years
  3. have a demonstrable track record of compliance and performance in the IGNITE Programme

Features

Max. Loan Amount: $15 million

Loan Tenure: Up to 10 years

Credit Enhancement Facility (CEF)
Provides collateral assistance to MSMEs by providing gaurantees to approved financial institutions and micro finance institutions to help MSMEs access loans.

  • It allows financial institutions to accept non-traditional collateral which may not be normally accepted. It allows the DBJ to guarantee a portion of your loan.
  • It allows DBJ to guarantee a portion of your loan
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have a challenge providing collateral to secure a business loan
  • Loan Amount:
    • 80% of an energy loan up to $15 million
    • 50% of all other SME loans up to $15 million
    • Small loans (J$6.25 million or less) 80% of loan up to a maximum of $5 million
  • Tenure: Up to the maturity of the loan or up to 10 years; or the lesser of the two

Product Support For Mature Stage      AFI/MFI/BDO Locator

Energy Audit Grant
A grant to check how efficiently the business is using electricity and recommend how to reduce energy wastage. This grant also provides support for a business to access an energy loan.

  • DBJ provides grant funds to pay for an energy audit.
  • Assists the MSME to make informed decisions about investments in energy efficiency and Renewable energy.
  • Provides support for a business to access an energy loan.
  • The business must be registered with the Companies Office of Jamaica (COJ)
  • Applicant should not be a Startup.
  • Applicant may only apply once.
  • MSMEs are offered an Energy Audit Grant of $200,000 to be conducted by a DBJ approved energy auditor.

Jamaica Business Fund
Provides grant funds to strengthen local supply chains for businesses focused on import substitution and exports (e.g. manufacturers and processors).

  • Applicant must be a medium-sized or large firm
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must be part of a local supply chain in the productive sector
  • Grant is offered up to a maximum of US$350,000 per supply chain. Each supply chain member has the opportunity to access up to US$30,000.

NIF SME Loan
Provides financing for working capital and/or fixed asset purchases for enterprises involved in specific industries.

  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Loan Amount: Maximum loan $30 million
  • Tenure: Up to 6 years

CDB Small Agricultural Enterprise Loan
Specifically targeted to entrepreneurs involved in the agricultural sector, to provide support to small farmers who may not be able to access funding otherwise for their projects.

  • Specifically targeted to entrepreneurs involved in the agricultural sector, to provide support to small farmers who may not be able to access funding otherwise for their projects.
  • Applicant must be registered with the Companies Office of Jamaica (COJ) OR with Rural Agricultural Development Authority (RADA)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Loan Amount: Maximum loan per entity or group $10 million
  • Tenure: Up to 10 years

PetroCaribe ICT Infrastructure Loan
Provides support for the expansion of the Jamaican ICT/BPO outsourcing sector.

  • Provides support for the expansion of the Jamaican ICT/BPO sector
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have proof of income (pay slip, financial statement, cash flow projections)
  • Must be for an infrastructure project of at least 350,000 sq. ft or addition of at least 10,000 new ICT jobs
  • Must be in the ICT/BPO sector
  • Loan Amount: Maximum US$5 million per project, representing maximum 70% of the project cost
  • Loan Amount: Up to 12 years

Credit Enhancement Facility (CEF)
Provides collateral assistance to MSMEs by providing gaurantees to approved financial institutions and micro finance institutions to help MSMEs access loans.

  • It allows financial institutions to accept non-traditional collateral which may not be normally accepted. It allows the DBJ to guarantee a portion of your loan.
  • It allows DBJ to guarantee a portion of your loan
  • Applicant must be registered with the Companies Office of Jamaica (COJ)
  • Applicant must have a challenge providing collateral to secure a business loan
  • Loan Amount:
    • 80% of an energy loan up to $15 million
    • 50% of all other SME loans up to $15 million
    • Small loans (J$6.25 million or less) 80% of loan up to a maximum of $5 million
  • Tenure: Up to the maturity of the loan or up to 10 years; or the lesser of the two

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The help you need to grow is all around you; simply look in the right places. Click on each sign below to see a list of Approved Financial Institutions (AFIs), Approved Micro Finance Institutions (MFIs) and Approved Business Development Organizations (BDOs).

Click next to view all stages of the business development life cycle.

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