Development Bank of Jamaica – M5 Business Recovery Programme
Refinance. Reboot. Rebuild
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.
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.
The main components of the programme include:
- Refinance (R1) – Financial stabilization and debt restructuring.
- Reboot (R2) – Working capital and business continuity support.
- Rebuild (R3) – Restoration of assets, physical rebuilding, and long-term recovery.
The Refinance facility provides:
- Moratoriums and extended terms
- Financing up to J$20M
- Maximum loan tenure of 10 years at 8% to MSME (fixed for 3 years)
- Relief to help companies stabilize finances and improve credit performance
Uses of funds:
- Coverage of existing loan payments (partial or full)
- Interest or principal relief to prevent delinquency
- Extra working capital to maintain credit standing
- Short-term liquidity to resume business operations
Reboot is designed to restore business continuity.
It includes:
- Funding up to J$5M
- Maximum loan tenure of 10 years at 8% to MSME (fixed for 3 years)
Typical uses include:
- Payroll and staff retention
- Rent, utilities, and operational expenses
- Inventory replenishment
- Procurement of raw materials
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
For more information visit: M5 – Recovery – Development Bank of Jamaica