Debt & Funding
Loan Decision Engine
Compare available limits, borrowing rates, tenure fit, and estimated cost before choosing the best bank for a new funding requirement.
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Funding Requirement
Required Loan Amount
৳ 100 Cr
Preferred Tenure
90 days
Facility Type
STL
Bank Funding Comparison
| Bank | Available Limit | Interest Rate | Tenure Fit | Estimated Cost | Recommendation |
|---|---|---|---|---|---|
| EBL | ৳ 310 Cr | 8.7% | Good | Lowest | Best Option |
| HSBC | ৳ 180 Cr | 9.5% | Good | Medium | Backup |
| SCB | ৳ 90 Cr | 10.2% | Insufficient | High | Not Recommended |
| City Bank | ৳ 90 Cr | 9.8% | Insufficient | High | Not Recommended |
| BRAC Bank | ৳ 70 Cr | 9.2% | Insufficient | Medium | Not Recommended |
Explainable Recommendation Analysis
EBL
Covers the full ৳100 Cr STL requirement for BSRM Cement with the lowest rate and sufficient headroom.
Interest Cost
8.7% rate; about ৳8.7 Cr annualized cost vs ৳10.2 Cr at SCB.
Utilization Impact
EBL utilization moves from 48% to 65%, still inside comfortable headroom.
Covenant Impact
No covenant pressure; facility remains below internal 75% utilization watch level.
Risk Impact
Diversifies away from highly utilized HSBC OD and SCB LATR lines.
Projected annual savings: ৳1.5 Cr vs SCB
HSBC
Can cover the full need, but rate is higher and HSBC OD concentration is already elevated.
Interest Cost
9.5% rate; about ৳0.8 Cr annualized incremental cost vs EBL.
Utilization Impact
HSBC utilization rises and reduces emergency OD flexibility.
Covenant Impact
Still acceptable, but pushes bank concentration closer to internal risk trigger.
Risk Impact
Useful as a ৳30 Cr split source if BSRM wants relationship balancing.
Projected annual savings: ৳0.7 Cr vs SCB, but ৳0.8 Cr worse than EBL
SCB
Available limit is only ৳90 Cr, so it cannot cover the full requirement without split funding.
Interest Cost
10.2% rate; highest cost in the comparison table.
Utilization Impact
Would push SCB raw material LATR exposure further into warning territory.
Covenant Impact
Potential internal utilization watch breach above 85%.
Risk Impact
Increases concentration where BSRM already has import financing pressure.
Projected annual savings: None; baseline high-cost option
City Bank
Limit is insufficient and API timeout reduces confidence in latest available balance.
Interest Cost
9.8% rate; higher than EBL and HSBC.
Utilization Impact
Would consume nearly all City Bank CC headroom for BSRM Steel Mills.
Covenant Impact
Could reduce availability for BG and settlement needs.
Risk Impact
Operational visibility risk due to current API timeout.
Projected annual savings: ৳0.4 Cr vs SCB, but capacity is insufficient
BRAC Bank
Available limit is only ৳70 Cr, suitable only for a partial drawdown.
Interest Cost
9.2% rate; reasonable but not lowest.
Utilization Impact
Would reduce term-loan flexibility for BSRM Power.
Covenant Impact
No immediate covenant breach, but less useful for the full STL need.
Risk Impact
Partial funding creates execution complexity without enough cost benefit.
Projected annual savings: ৳1.0 Cr vs SCB if used partially
Recommended Bank
EBL is the best option
Sufficient available limit of ৳310 Cr, lowest interest rate at 8.7%, full coverage for the ৳100 Cr requirement, and estimated annual saving vs SCB of ৳1.5 Cr.
Split Exposure Option
If BSRM wants to split exposure
৳70 Cr from EBL
৳30 Cr from HSBC
Decision Actions
Facility analysis ready
Cost simulation prepared
Borrowing request can be drafted