To support businesses affected by the mandatory lockdown due to COVID-19, the Central Bank of Tunisia (BCT) issued Circular 2020-12 on May 28, 2020. This circular outlines new exceptional financing granted by banks to companies. These loans will exclusively cover the genuine needs of tunisian businesses related directly to their operating cycles, aiming to ensure the continuity of the economic fabric and financial stability.

The amount of this exceptional financing and its repayment terms will be determined on a case-by-case basis, depending on the client’s needs and the sector's evolving circumstances, while adhering to the following rules :

• The financing amount must not exceed 25% of the VAT-excluded revenue achieved in 2019, or the equivalent of six months of salaries for businesses that began operations after January 2019.
• The loan repayment period must not exceed seven years, including a two-year grace period.
• An interest rate of TMM (Money Market Rate) +1.75% has been set for calculating the interest on these loans.