{"id":125,"date":"2025-12-03T17:34:19","date_gmt":"2025-12-03T17:34:19","guid":{"rendered":"https:\/\/melissabizrelief.miic.gov.jm\/?p=125"},"modified":"2025-12-29T14:30:40","modified_gmt":"2025-12-29T14:30:40","slug":"dbjs-m5-business-recovery-programme","status":"publish","type":"post","link":"https:\/\/melissabizrelief.miic.gov.jm\/?p=125","title":{"rendered":"DBJ&#8217;s M5 BUSINESS RECOVERY PROGRAMME"},"content":{"rendered":"\n<p class=\"has-x-large-font-size\">Development Bank of Jamaica &#8211; M5 Business Recovery Programme<\/p>\n\n\n\n<p class=\"has-large-font-size\">Refinance. Reboot. Rebuild\u00a0  <\/p>\n\n\n\n<p class=\"has-medium-font-size\"><\/p>\n\n\n\n<p>The<strong>&nbsp;M5 Programme<\/strong>&nbsp;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.&nbsp;<\/p>\n\n\n\n<p>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.&nbsp;<\/p>\n\n\n\n<p>The main components of the programme include:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Refinance (R1) \u2013 Financial stabilization and debt restructuring.<\/li>\n\n\n\n<li>Reboot (R2) \u2013 Working capital and business continuity support.<\/li>\n\n\n\n<li>Rebuild (R3) \u2013 Restoration of assets, physical rebuilding, and long-term recovery.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p>The <strong>Refinance<\/strong>&nbsp;facility provides:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Moratoriums and extended terms&nbsp;<\/li>\n\n\n\n<li>Financing up to <strong>J$20M<\/strong>&nbsp;<\/li>\n\n\n\n<li>Maximum loan tenure of <strong>10 years at 8%&nbsp;to MSME (fixed for 3 years)<\/strong>&nbsp;<\/li>\n\n\n\n<li>Relief to help companies stabilize finances and improve credit performance&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Uses of funds:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Coverage of existing loan payments (partial or full)&nbsp;<\/li>\n\n\n\n<li>Interest or principal relief to prevent delinquency&nbsp;<\/li>\n\n\n\n<li>Extra working capital to&nbsp;maintain&nbsp;credit standing&nbsp;<\/li>\n\n\n\n<li>Short-term liquidity to resume business operations&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Reboot<\/strong>&nbsp;is designed to restore <strong>business continuity<\/strong>.&nbsp;<br>It includes:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Funding up to <strong>J$5M<\/strong>&nbsp;<\/li>\n\n\n\n<li>Maximum loan tenure of <strong>10 years at 8%&nbsp;to MSME (fixed for 3 years)<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Typical uses include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payroll and staff retention&nbsp;<\/li>\n\n\n\n<li>Rent, utilities, and operational expenses&nbsp;<\/li>\n\n\n\n<li>Inventory replenishment&nbsp;<\/li>\n\n\n\n<li>Procurement of raw materials&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Eligibility<\/strong>&nbsp;includes:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Businesses in <strong>good&nbsp;credit history<\/strong>&nbsp;<\/li>\n\n\n\n<li>Enterprises that can&nbsp;demonstrate&nbsp;impact from a disruption or disaster&nbsp;<\/li>\n\n\n\n<li>MSMEs requiring short-term stabilization or long-term rebuilding&nbsp;<\/li>\n\n\n\n<li>Those seeking refinancing, working capital, or asset recovery&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>For more information visit: <a href=\"https:\/\/dbankjm.com\/m5-recovery\/\">M5 \u2013 Recovery &#8211; Development Bank of Jamaica<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Development Bank of Jamaica &#8211; M5 Business Recovery Programme Refinance. Reboot. Rebuild\u00a0 The&nbsp;M5 Programme&nbsp;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.&nbsp; It is designed<a href=\"https:\/\/melissabizrelief.miic.gov.jm\/?p=125\">Continue reading <span class=\"sr-only\">&#8220;DBJ&#8217;s M5 BUSINESS RECOVERY PROGRAMME&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-125","post","type-post","status-publish","format-standard","hentry","category-miic-led-initiatives"],"_links":{"self":[{"href":"https:\/\/melissabizrelief.miic.gov.jm\/index.php?rest_route=\/wp\/v2\/posts\/125","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/melissabizrelief.miic.gov.jm\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/melissabizrelief.miic.gov.jm\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/melissabizrelief.miic.gov.jm\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/melissabizrelief.miic.gov.jm\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=125"}],"version-history":[{"count":4,"href":"https:\/\/melissabizrelief.miic.gov.jm\/index.php?rest_route=\/wp\/v2\/posts\/125\/revisions"}],"predecessor-version":[{"id":130,"href":"https:\/\/melissabizrelief.miic.gov.jm\/index.php?rest_route=\/wp\/v2\/posts\/125\/revisions\/130"}],"wp:attachment":[{"href":"https:\/\/melissabizrelief.miic.gov.jm\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=125"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/melissabizrelief.miic.gov.jm\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=125"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/melissabizrelief.miic.gov.jm\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=125"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}