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Loan Requirements

To be eligible for an ADB loan, you must be a citizen or resident of Trinidad and Tobago over the age of 18 years. Also, if you are applying for a company loan, your company must be registered in Trinidad and Tobago.

Download the loan inquiry form (click here)

The lists of the required information you must provide in order to apply are:

Proof of Citizenship/Residency

  • I.D. Card
  • Passport
  • Other - Proof of Farmers' Registration

Verification of Home Address

  • TSTT bill
  • T&TEC bill
  • WASA bill

Security

  • Property
    • Deed/Certificate of Title
    • Deed of Release
    • Land & Building tax receipt for current year
    • Survey plan /cadastral sheet
    • Professional valuation
    • Insurance quotation for building
    • WASA rate receipt for current year
    • WASA Clearance certificate
    • Deed of Conveyance in escrow/Memorandum of Transfer
  • Vehicle or Equipment
    • Invoice /Quotation
    • Vendor's offer of sale
    • Certificate of Ownership/Registration/Recent Card Copy
    • Chassis/Serial number
    • Insurance certificate for existing vehicle or equipment
    • Insurance quotation for new items
    • Vehicle inspection
    • Transfer chit
    • Signed copy of the Instrument of Release of Discharge
    • Professional valuation
  • Assignments
    • Fixed Deposit/Mutual Fund Certificate(s)
    • Share certificate(s)
    • Unit Trust Certificate/statement
    • Transfer/transmission of shares form
    • Insurance policy/statement of CSV

Statutory Approvals

  • Town & Country Planning
  • County Medical Officer of Health
  • Agri Shop license from the Registrar, Pesticide and Toxic Chemical Control Board
  • Chemistry Food & Drugs Division
  • Consent to assign from the Director of Surveys
  • Consent to mortgage from the Director of Surveys
  • Certificate of Environmental Clearance
  • Sawmilling license
  • Lumber felling/removal/transport permits
  • License to operate furniture shop
  • Food badge
  • Factory Inspectorate Report

Evidence of Marketing Arrangements

  • Contracts
  • Letters of intent
  • Other

Company Requirements

  • Certificate of Incorporation
  • Memorandum & Articles of Association/Regulations & Bye Laws
  • Certificate of Continuance
  • VAT Registration
  • BIR Registration
  • Details of shareholders/directors
  • Resolution to borrow
  • Statements of Affairs of directors
  • Audited financial statements - 3 years
  • Sample of company seal
  • List of authorised signatories
  • Fixed Asset Register

Land Tenure

  • Assignment of tenancy
  • Lease/Rental Agreement
  • Lease rent receipts
  • Power of attorney
  • Letter of consent from owner
  • Deed/ Certificate of Title

Other Requirements

  • Proof of contribution to the project
  • Updated statement of outstanding debt/Credit Report
  • Life insurance policy
  • Builder's estimate
  • Quantity Surveyor's report
  • Receipts for _______________________
  • Past project records
  • Projected Cash Flow with assumptions

Requirements for Other Loans

  • Bee Loans
    • Registration of the apiary
    • Site approval/certificate
  • Dairy Loans
    • Status report from Nestle'
    • Vet Report/Brucellosis Report
    • Assignment of sales
    • Vendor's letter
  • Fishing Loans
    • Fisherman's ID Card
    • Certificate of ownership of vessel
    • Marine Surveyors Report
    • Captain's license
    • Naval Architect Report