Let's Get Back to Business
with the M5 Business Recovery Programme
Road to Business Recovery
REFINANCE
Financial Stabilization and Debt Support
REBOOT
Working Capital and Business Continuity
REBUILD
Asset Restoration and Physical Recovery
What's On Offer
M5 – BUSINESS RECOVERY
Financial Stabilization, Working Capital & Business Continuity
Features
- Access to financing up to J$50 million
- 8% fixed interest rate
- Maximum tenure of 10 years
- Up to 80% collateral support (conditions apply)
- Structured repayment options to support recovery and cash flow stabilization
Objectives
Support businesses by restoring financial stability, strengthening cash flow, and enabling a full return to productive operations. The facility is designed to help enterprises recover efficiently while preserving employment and long-term viability.
Use of Funds
- Refinancing or restructuring existing loan obligations
- Coverage of loan repayments to prevent delinquency
- Payroll, rent, utilities, and essential operating expenses
- Inventory replenishment and procurement of raw materials
- General working capital to restore and sustain business operations
From Recovery to Resilience: The M5 Programme in Action
Our AFI Partners
Over J$1.4B
Value of Funds committed
Sectors supported:
Agriculture + Logistics + Tourism +
Transportation
Check your eligibility
Let's Get Back to Business
Reviving Our Communities
Restoring Local Economies
Rebuilding Productive Sectors
Tourism & Rural Development
Got Questions? We’ve Got Answers
What is the M5 Business Recovery Programme?
The M5 Programme is a special financing package from the Development Bank of Jamaica (DBJ) designed to help businesses recover after a major disruption or disaster. It provides credit support, working capital, and financing for repairs so businesses can restart operations quickly.
Who is the programme for?
It is designed for MSMEs and larger enterprises that have been affected by shocks, natural disasters, or major operational disruptions and need help stabilizing their business.
What are the main components of the programme?
- Access to financing up to J$50 million
- 8% fixed interest rate
- Maximum tenure of 10 years
- Up to 80% collateral support (conditions apply)
- Structured repayment options to support recovery and cash flow stabilization
Who qualifies for these loans?
Eligibility includes:
- Businesses in good credit history
- Enterprises that can demonstrate impact from a disruption or disaster
- MSMEs requiring short-term stabilization or long-term rebuilding
- Those seeking refinancing, working capital, or asset recovery
Are grants available under this programme?
The programme provides loan financing only. Grants are not included in the Refinance or Reboot tiers.
What interest rate applies?
All financing under Refinance and Reboot is offered at a competitive 8% per annum. (fixed for 3 year)
How long can I borrow for?
Both the Refinance and Reboot facilities offer up to 10 years repayment tenure.
How quickly can business access funds?
Refinance is designed for quick response to stabilize operations. Processing times may vary based on the lender (AFI/MFI) and submission of required documents.
Do I apply directly to DBJ?
Applications are made through Approved Financial Institutions (AFIs) and Microfinance Institutions (MFIs).
DBJ provides the funding through your bank or microfinance partner that processes the loan.
What documents will I need?
Requirements may vary, but typically include:
- Financial statements or cash flow projections
- Valid business registration
- Tax compliance
- Bank statements
- Proof of need (quotes, invoices, photos for rebuilding)
Your AFI/MFI will confirm the full checklist.
Can a business access more than one facility?
Yes. Depending on need and eligibility, businesses may use a combination of:
- Refinance (to stabilize debt),
- Reboot (for working capital), and
- Rebuild (for asset restoration).
Each application will be assessed separately.
How soon should affected businesses apply?
As early as possible. The programme is designed for rapid recovery, and early applications help avoid credit deterioration and operational shutdowns.
Are startups eligible?
The programme is primarily for existing businesses impacted by a disaster or disruption. Startups may be eligible under specific circumstances, depending on their lender’s criteria.
Where can I get more information?
Visit dbankjm.com, contact your AFI/MFI, or reach out via DBJ’s official social media channels (@dbjamaica).
Is the programme available islandwide?
Yes. The programme supports businesses across Jamaica, with heightened focus on heavily impacted parishes such as Trelawny, St. Elizabeth, and Westmoreland, St. James.
Is the Credit Enhancement Facility available for this?
Yes, up to 80-90% for MSMEs.
